Common Term Insurance Riders: Are They Worth It?

Riders are optional add-ons to your base life insurance policy that provide additional coverage.

Waiver of Premium

If you become disabled and can't work, this rider ensures your policy stays in force without you paying more premiums.

Critical Illness Cover

Provides a lump sum if you're diagnosed with a major illness like cancer or heart disease. Often cheaper than a separate policy.

Accidental Death Benefit

Pays an extra amount if you die in an accident. Usually redundant if your base cover is large enough.