What Is A Life Insurance Rider? 
That is a great question ! A `` rider '' in insurance lingo , is a clause that is attached to the body of the original policy . It `` rides '' along on it . Some life insurance policies will allow for the addition of a term insurance policy as a rider to covera spouse 's or children 's life insurance needs . The applicants life insurance policy will now -LRB- for an additional cost -RRB- insure their life , plus the person/s named in the rider -LRB- for however long the rider is in force -RRB- . Accidental death and dismemberment policies are popular riders also . Need more info ? Feel free to drop me a line , I 'm happy to help . Thanks for asking ! 