Most companies offer riders with their term life insurance policies.  The one rider we recommend all consumers take a hard look at is the living benefits rider.  This rider allows you to access a portion of the death benefit early in the event that you have a major medical occurrence (heart attack, stroke, cancer, etc.).  This rider is great to attach to your policy because it covers you in death and during an illness.  If you have a family history of medical problems, it would be in your best interest to pay a little more for this feature.