Most life insurance policies generally offer death benefits in case of natural deaths, such as those caused by a heart attack or old age. Life insurance also almost covers the deaths caused by accidents. In addition to death benefits, you can also opt for enhancer coverage with additional covers like a critical illness rider or a disability rider, which can help your family cope with financial distress in case the policyholder is diagnosed with a critical illness like cancer, or in case they’re unable to continue earning on account of any disability. In such situations, the rider on your policy may either offer a lump sum payment or ensure that you receive a steady sum of money periodically.