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.
Publications and Resources
What You Should Know About Life Insurance. An ACLI guide to help you choose the right life insurance products to meet your needs.
Tips on Buying Life Insurance (PDF). Choosing a life insurance product is an important decision. As with any major purchase, it is important to understand your family's needs and the options available. Use this list of buying tips to help you choose.
State Insurance Department Directory. The State Insurance Department Directory, with contact information for 50 states, the District of Columbia, Puerto Rico, Guam, and the U.S. Virgin Islands. Includes names and phone numbers for key personnel and specific subject contacts.