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A life insurance policy is a contract between a policyholder and an insurance company to provide financial protection to their family or heirs if the policyholder dies. In a life insurance policy, there are many terms and types of riders that many people may not know. Here are six types of riders in a life insurance policy that you need to know: Self Accident Rider Rider personal accident is additional protection that provides cash payments if the policyholder has an accident resulting in death or permanent disability. These riders usually provide larger payments if the accident occurs when the policyholder is in a public vehicle or airplane. 1. Critical Illness Rider Critical illness riders provide cash payments if the policyholder is diagnosed with a critical illness such as cancer, heart attack or stroke. These cash payments can help policyholders cover medical and daily living expenses while recovering. 2. Health Riders Health riders provide additional benefits such as financ...
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