What Is A Rider On A Life Insurance Policy? 
A rider is more than just someone that rides a horse . A rider in lifeinsurance is something that goes along with the basic policy . Most common riders are Waiver of Premium and Child rider in life insurance . Waiver of Premium rider refers to the avoidance of life insurance fees during a critical illness , as an example . Adding a rider is a way to sweeten the terms of a policy for an increase to the monthly premium . 