The rider provides a conversion option for each eligible child. This means you can convert the rider to a permanent plan offered by Fidelity Life for up to five times the term insurance benefit for this rider. The conversion must occur within 30 days of the earlier of each child's 23rd birthday, or the expiration of this rider, if sooner. Even if your child ends up having a serious medical issue, you could protect his or her insurability by insuring them with a child rider (from the time they are 15 days old), then converting the rider into their own policy. You can add additional riders to your term life insurance policy to expand your benefits.