Life Insurance Riders

Life insurance riders provide a way to add coverage to your life insurance policy to make it suit your needs.

Premiums can vary by as much as 50%. Visit Netquote, where you can fill out a short form, select a plan, and input your personal data for a true personalized quote in minutes. Click here to start.

Use Insurecom to compare additional term life and whole life quotes, and get expert advice from an agent in your area, who can help you design a plan that's right for you. Click here to fill out a quick form.

Making adjustments with life insurance riders

Riders are used to supplement or diminish the coverage of an existing life insurance policy. Additional coverage will increase the cost of your policy so be careful about adding extra services. Using a rider to reduce your coverage is a good way to make an unaffordable plan fit your budget.

Common life insurance insurance riders

  • Renewal Provision
  • Spouse and Children's Insurance Rider
  • Withdrawal Provision
  • Accidental Death or Double Indemnity Rider
  • Waiver of Premium Rider
  • Family Income Benefit Rider



• Renewal Provision
Guarantees the policy's renewability at the end of its term.
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• Spouse and Children's Insurance Rider
Offers coverage for your spouse and/or your children.
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• Withdrawal Provision
Allows you to withdraw money from your life insurance policy up to the amount of your cash value savings - thereby reducing your death benefit.
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• Accidental Death or Double Indemnity Rider
Doubles your death benefit if you die from an accident.
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• Waiver of Premium Rider
Protects your insurance policy from being canceled in certain situations, even if you are unable to pay the premium.
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• Family Income Benefit Rider
Guarantees your family will continue receiving your monthly income if you die.
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For more help . . .

Getting the lowest possible premium on your life insurance is almost like an art form. There are many variables to consider, and to get the right balance of term length, benefit amounts, and policy riders and illustrations, you need to take a careful step-by-step approach to the buying process.

Our free life insurance course is designed to help you do just that.

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