What Is An Insurance Rider On Life Insurance Policy? 
An insurance rider is a way of making your policy more suited to your particular desires , without adding onto the price of the policy for everyone else . E.g. . If your children are all grown , you do not want your policy premium to include coverage for children . But you may want to purchase a rider that would pay your premium if you were to become disabled ; a cost that another person might find frivolous . Riders allow you to tailor your policy to best suit your needs , while keeping it at the lowest possible cost . 