What Is An Insurance Rider On Life Insurance Policy? 
An Insurance Rider on Life Policies is simply an `` add-on '' to the base policy . For example , the base policy might be a parent who has say a 250k death benefit with a child rider which provides a little coverage for the kids in the family . There are generally several riders available on life insurance policies . They include waiver of premium , unemployment , long-term care , disability , child rider , spousal riders , a variety of accelerated benefits and more depending on the insurance company . Keep in mind , most of these riders add cost to your policy but may provide valuable extra protection . 