This rider allows you to purchase additional insurance coverage along with your base policy in the stated period without the need for further medical examination. Usually this is a helpful rider when a major change has occurred in your life (birth of child, marriage, etc.) Evidence of insurability isn’t required with this rider, which is another benefit when you apply for additional coverage. Another advantage is that in case your health state declines with increasing age, you will be able to apply for extra coverage without giving any evidence of insurability.

The spouse rider provides a term insurance plan for your spouse for an additional cost.

An Accidental Death Benefit Rider to a life insurance policy may also include an additional benefit for Dismemberment. This rider pays out an additional amount of death benefit if the insured dies from an accident. Usually, if death is from accidental bodily injury, the insured’s receives double the death benefit.