Are there any riders I should consider since I am disabled?
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UPDATED: Sep 15, 2020
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Riders are helpful for every policyholder, not just those with a disability. Here is an overview of some of the most popular riders and how they can help you:
- Accidental death coverage provides your beneficiaries with additional benefits in the event that you are killed unexpectedly in an accident.
- A terminal illness rider allows you to receive accelerated benefits if you should become terminally ill later on in life.
- Spouse and child riders provide death benefits for your spouse and children for a much lower premium than their own individual policies might.
- Return of premium riders give you back the premiums paid on a term policy if you do not die during the term.
- Convertibility and insurability riders ensure that you continue being insured even after your term expires or that you can convert your policy to whole life once the term is up.
- Waiver of premium riders can help if you become disabled and are unable to work for 6 months or more—however, if you are already disabled, this rider may not be approved on your policy.
Each of these riders increases the value and benefit of a life insurance policy. If one or more riders apply to your situation, consider adding it to your life insurance policy.