- Disability riders may cover paying your policy premiums while you’re disabled and may supplement your lost income.
- A critical illness rider pays a lump sum if you're diagnosed with one of the critical illnesses specified in the insurance policy, such as cancer, heart attack, stroke, kidney failure and others. Instead of reimbursing you for medical expenses, the way health insurance does, a critical illness rider provides money to use for any purpose during the course of treatment.
- An accelerated death benefit rider lets you collect a portion of the policy's death benefit if you become terminally ill with a short life expectancy, such as one year.
Every life insurance carrier has their own selection of life insurance policy riders available to policyholders, so be sure to ask what’s available with your life insurance policy.
Learn more about life insurance policy riders.