What is one benefit of having a rider on a life insurance policy?

A rider on a life insurance policy is an additional provision that modifies the coverage or benefits of the base policy. By adding a rider, policyholders can customize their insurance to fit specific needs, such as including accidental death coverage or critical illness benefits. This flexibility is a significant advantage, as it allows individuals to enhance their protection based on personal circumstances or preferences without the need for a new policy.

The ability to add extra coverage or benefits through riders addresses various risks and provides tailored solutions, making it an essential feature for many policyholders seeking comprehensive protection. These enhancements allow for a more robust insurance plan, ensuring that the policyholder and their beneficiaries are better protected against unforeseen events.