Understanding Life Insurance Riders: Adding Custom Coverage to Your Policy

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Life insurance riders let you tweak your policy to fit your life, like adding a child term rider for newborn coverage or a waiver of premium if you get disabled. They’re extra features that cost a bit more but can save you headaches, like making sure your policy pays off the mortgage if you pass away. It’s like customizing a sandwich—you start with the base and add what matters to you.