Are there any riders I should consider since I am disabled?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Riders are helpful for every policyholder, not just those with a disability. Here is an overview of some of the most popular riders and how they can help you:

  • Accidental death coverage provides your beneficiaries with additional benefits in the event that you are killed unexpectedly in an accident.
  • A terminal illness rider allows you to receive accelerated benefits if you should become terminally ill later on in life.
  • Spouse and child riders provide death benefits for your spouse and children for a much lower premium than their own individual policies might.
  • Return of premium riders give you back the premiums paid on a term policy if you do not die during the term.
  • Convertibility and insurability riders ensure that you continue being insured even after your term expires or that you can convert your policy to whole life once the term is up.
  • Waiver of premium riders can help if you become disabled and are unable to work for 6 months or more—however, if you are already disabled, this rider may not be approved on your policy.

Each of these riders increases the value and benefit of a life insurance policy. If one or more riders apply to your situation, consider adding it to your life insurance policy.

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