Life Insurance Riders to Enhance Your Coverage

Personalized Add-Ons for Long-Term Value

Young man at home on crutches, representing the value a Waiver of Premium rider adds to a life insurance policy in case of disability

Waiver of Premium

Ensure your policy stays active—even if disability prevents you from working.

White and blue protection shield representing the Guaranteed Insurability Option (GIO) rider, adding value by allowing coverage increases without medical requalification

Guaranteed Insurability Rider (GIO Rider)

Secure future coverage increases with no medical exams—perfect for growing families, children or young adults.

 

 

 

 

Family with kids and dog in yard, representing the need to protect what matters most with life insurance

Life Insurance Coverages

 

Final Expense Insurance

 

Lovely home with beautiful yard, representing the value of additional life products like mortgage and paycheck protection that safeguard a family’s lifestyle

Mortgage & Paycheck Protection

Patient in hospital with IV in hand, representing supplemental coverages such as accidental, critical illness, and cancer plans that protect against the unexpected

Accidental, Cancer & Critical Illness Plans

🛡️ Did you know?

1 in 4 young adults under the age of 25 will face a disability lasting a year or longer during their working years—well before retirement.

 

Could you manage without your full income—or with a significantly reduced one? Wouldn't it be a relief if your life insurance premiums were waived during such a challenging time? —Absolutely, it would!

Young man sitting and holding a cane, representing how a Waiver of Premium rider eliminates the stress of paying life insurance premiums during disability without the worry of losing coverage.

Add Flexibility & Extra Protection with Policy Riders

 

Our lives are not one-size-fits-all—your coverage shouldn’t be either. Riders are optional add-ons that enhance and elevate your primary policy with tailored features to meet your changing needs.

Whether you're looking to secure future insurability, or ease the financial burden during disability, riders can add powerful benefits to your base policy—often for just a few extra dollars per month.

 

A Few Common Riders We Offer Include:

  • Waiver of Premium: Keeps your policy active without payments if you become disabled.

  • Guaranteed Insurability Option (GIO): Lets you increase coverage in the future—no medical exam required.

  • Accidental Death Benefit: ADB coverage provides extra funds to your family if death occurs due to an accident.

  • Child Rider: Offers affordable protection for your children under your policy.

Riders offer peace of mind by giving you more control and flexibility. You’ll know your family’s protection can grow and adapt with life’s unexpected turns.

 

Have questions about which rider fits best? A licensed professional is available to help customize a plan tailored to your needs and budget.

visit FAQ for Q&A

Why Life Insurance Riders Add Value

When considering life insurance, it’s easy to focus solely on the primary policy. However, the real value often lies in the additional coverage options known as riders. Life insurance riders allow you to customize your policy to better suit your needs and provide extra financial security for you and your loved ones. Riders such as Waiver of Premium and Guaranteed Insurability (GIO) options ensure your coverage is more versatile and comprehensive. While they may increase your premiums slightly, the flexibility and peace of mind riders provide make them a smart investment. Ultimately, life insurance riders enhance the policy to better protect  against life's uncertainties. Ultimately, life insurance riders enhance the policy to better protect against life's uncertainties and evolving financial needs.    —still have questions? Contact us.

Take the Next Step

  • Receive a custom, no-cost needs analysis and personalized quote during a session with a licensed agent.

  • Choose the option that fits best—decision-making is simplified with expert guidance.

  • Enjoy peace of mind — with a custom plan that protects what matters most.