Insurance riders

Typically, riders can only be added to your life insurance policy at the start of the application process. So it's important to know what your needs will be upfront. Our advisors can help you figure out the best rider (or riders) to fit your policy and goals. Ready to get started? Connect with an advisor today.

It depends on your situation and what kind of coverage you do or don't need. An insurance rider could make sense if, for example, you need long-term care coverage. Adding a rider to your base policy will give you some coverage at a lower cost than buying a standalone policy. Find out which life insurance rider might be right for you. Talk to an advisor today.

Riders are typically an extra cost on top of your base premium. However, with a policy like whole life (or other permanent life policies) you can use its cash value to cover the cost of a rider.⁶ How much more you could pay depends on the type of rider you add to your policy. Talk with an advisor to find out if riders are right for your goals. Get matched with one today.

Since a life insurance rider is a policy add-on to help individuals tailor their life insurance policy to their situation and needs, the cost of the rider is typically paid for by the policyowner. Talk with an advisor to find out if riders are right for your goals. Get matched with one today.

It depends on what type of rider you've added to your policy. In general, riders will remain in effect for the duration of your policy as long as the cost of the rider is covered. Find out which insurance rider might be right for you. Get matched with an advisor.

There are many different types of life insurance riders, but here are the most common to help customize your life insurance policy.

Waiver of Premium – The insurer will pay your premiums if you become totally disabled³ from a sickness or accident.⁴

Additional Purchase Benefit – The policyowner can buy more coverage at certain ages regardless of the insured's health, and when the insured has certain life events like getting married or having a child.

Long-Term Care Benefit Riders – Help give yourself the choice and control you'll want if you ever need ongoing care because of chronic illness.⁵

Find out which insurance rider might be right for you and your goals. Get matched with an advisor.

Insurance riders are simply add-ons to your life insurance policy that will give you specific benefits and protection beyond your base coverage. A beneficiary is a person (or several) you name in your insurance policy (and can be updated at any time during the insured's life, unless the policy provides otherwise) to receive the death benefit when you pass away. Talk with an advisor to find out if riders are right for your goals. Get matched with one today.