What Are Riders In Life Insurance? 
Many Insurance companies offer what is called a base policy -LRB- the policy you originally buy such as a whole life policy -RRB- and to that base policy they offer additional coverages in the form of riders . You can get different types of riders such as ; term riders which can offer additionaldeath benefitcoverage on the base policy ; paid up addition riders which can offer amounts of paid up coverage ; waiver of premium which will pay the premiums should the insured become unable to make the payments . There are a lot of different types of riders you can purchase to make your base policy even better . 