Life Insurance Riders

life insurance products and services

A life insurance rider, also known as an endorsement, is an addition to a life insurance policy that usually expands or limits the benefits payable under the contract. Life insurance riders allow you to have more flexibility and personalization in your life insurance policy.

Waiver of Premium Term Life Insurance

Most term and permanent life insurance policies offer an optional feature called "waiver of premium." This typically states that in the event you become totally disabled for a period of six months or longer, the insurance company will pay your life insurance premium until you are no longer disabled. This feature is optional (available at an extra cost) and must be chosen at the time of your life insurance application.

Return of Premium Term Life Insurance

Get a full refund of your money! Return of premium term life insurance (ROP) is a feature that offers a guaranteed refund of the life insurance premiums at the end of the term period, assuming the insured is still living.

Learn more about the different types of term life insurance policies.

Child Life Insurance

Insuring your child is by far one of the easiest and most affordable ways to establish their financial foundation and future insurability while they're still young and healthy, and it's easy to do by attaching their policy to yours.

Learn more about child life insurance.

Accidental Death Benefit

Accidents happen anywhere, at any age. The accidental death benefit rider provides additional coverage if you we re to die "accidentally." It may even double the amount of the original death benefit. Having this rider attached to your life insurance policy can give your family greater peace of mind in the event of your death due to an accident.

Accelerated Death Benefit

If you're diagnosed with a terminal illness while your life insurance policy is still in force, this rider gives you the option to collect all or part of the death benefit while you're still alive. This may take away some of the financial burden of paying unprecedented medical expenses.