A provision or "rider" can be added to a policy to give you the option to purchase additional insurance without taking a medical exam or having to furnish evidence of insurability. Other riders provide further benefits, including: An accelerated death benefit, which allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. An accidental death benefit, which pays an additional benefit in case of death resulting from an accident. A waiver of premium for disability that means if you become totally disabled for a specified period of time, you don't have to pay premiums for the duration of the disability.