What Are Riders In Life Insurance? 
Carriers offer life insurance coverage in exchange for a premium . On top of it 's main structure , carriers may offer extra benefits to add to it known as riders.Carriers may charge an additional fee added to the premium when certain riders are added to a policy.Not every carrier will offer every rider on each policy . The most common riders people add to their life insurance policies are : 1 -RRB- Term Insurance Rider 2 -RRB- Accelerated Death Benefit Rider 3 -RRB- Disability Waiver of Premium Rider 4 -RRB- Long-Term Care Rider 5 -RRB- Accidental Death Benefit Rider 6 -RRB- Guaranteed Insurability Option Rider 7 -RRB- Disability Income Rider 