Supplemental life insurance is additional coverage you can buy to augment your primary life insurance policy. Typically, this type of insurance is marketed toward people who have group life insurance through their employer, but it can also be purchased from an insurance company. It may be offered in the form of term life insurance coverage for yourself, a spouse or a child. Or it may be an accidental death and dismemberment (AD&D) or burial insurance policy.
A life insurance rider is an optional policy add-on that can provide additional coverage under specific circumstances, such as being diagnosed with a terminal illness, being killed or grossly injured in an accident or if you are otherwise rendered unable to work. Other riders may allow you to convert a term policy to permanent, or provide coverage for a spouse or child.