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Riders and Programs for Life Insurance

How can you tailor a life insurance policy to meet your unique needs?

You add something extra to it − like an optional rider or program. Riders and options offer additional coverage and protection on select life products at an additional charge.

Child rider

This rider pays a benefit upon the death of the children of the insured person.

Spouse rider

This rider provides level term insurance on the insured's spouse. It can be converted to its own whole life policy at certain times and within certain age limits. This rider will terminate when the base policy ends or the spouse reaches a certain age. Please check the insurance contract for specific details.

Premium Waiver rider

If the insured person becomes disabled, the monthly premium due on the policy is waived during the disability, after a six-month elimination period is met.  This rider may terminate when the base policy expires or the insured reaches a certain age. Please refer to the prospectus or the insurance contract for details about this rider.