What Is A Rider On A Whole Life Insurance Policy? 
A rider on a whole life insurance policy is supplementary benefit , additional modification , or optional provision to the policy . Riders can be included in the base price of the policy , but most riders have an extra charge . Some examples of riders are spouse and/or child rider , accidental death rider , waiver of premium rider -LRB- pays policy premium in case of disability -RRB- , disability income rider -LRB- pays cash in case of disability -RRB- , and rider that guarantees that you can purchase additional insurance in the future . 