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Survivorship life insurance riders & other options

How can you tailor a life insurance policy to meet your unique needs? You add something extra to it − like an optional insurance rider or program. These options offer additional coverage and protection on select life products at an additional charge.

Long-term care insurance rider

This rider lets you add long-term care coverage for up to two insureds, to one life insurance policy. Find out more about the long-term care rider.

Select estate protection

This rider provides extra temporary coverage for up to four years. It can offset any additional estate tax that may be due if the policy is included in the insured's estate.1

Estate protection insurance 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 insurance 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 an event such as divorce or a change to the federal estate tax law. In such an exchange, policy contract values and indebtedness are split equally. This rider must be elected when the policy is issued.

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