Question I’ve come across the term “rider” when reading about life insurance. I’m not sure what a rider does, or whether I need one. What should I know about riders before deciding on a policy?
Francisco Flores, a Farmers Insurance® agent in Yuma, Arizona, explains how life insurance riders can help you protect your family financially.
Answer A rider is generally an optional coverage that you can add to a standard life insurance policy. It’s an added contract form that “rides along” and becomes a part of your policy contract. Riders allow you to customize your policy so that it works the way you want. It’s important to be aware of these options when deciding on coverage.
Here are some of the types of life insurance riders we offer:
This is only a high-level view of riders. Terms and conditions apply to each one, and the availability of riders depends on the type of life insurance policy you choose, so be sure to ask your agent for more details.
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