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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.

Select Estate Protection

This rider provides extra temporary coverage for up to four years. It is intended to offset any additional estate tax that may be due if the policy is included in the insured's estate. This rider is automatically included free of charge if certain qualifying conditions are met. Please refer to your insurance contract, client guide or your insurance professional for specific details on this rider.

Estate Protection rider

This rider provides extra temporary coverage for up to four years. It is intended to offset any additional estate tax that may be due if the policy is included in the insured's estate. Please refer to your insurance contract, client guide, or investment professional for specific details on this rider.

Policy Split Option rider

This rider can be attached to a survivorship policy insuring two people. It gives the policy owners the option to exchange their policy for two individual policies within six months of a particular event like divorce or a change to the federal estate tax law. The rider must be elected when the policy is issued. Policy contract values and indebtedness will be split equally.

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