Optional Life Insurance Riders and Benefits

Life insurance riders and optional benefits to protect what matters most

Our riders and optional benefits give customers more flexibility to achieve the security they deserve. Together, we can help them choose the right options to protect the goals they have in life.

Optional benefits that are valuable to customers, and you

Like you, we want to help customers secure protection that fits their goals. We put more options within reach with riders and benefits that can help them achieve a greater sense of security and freedom. We’ll make sure you have what you need to easily offer these benefits and make the most of a customer’s life insurance coverage.

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Options to get customers the protection that’s right for them

We’ll work together to make better protection more accessible to customers. Help them learn which optional riders might be right for them, and review other valuable included benefits to fill any gaps in their long-term plans.

Added protection for life’s uncertainties

Our optional ExtendCare℠ rider lets them advance their life insurance policy’s death benefit to manage the cost if they become chronically ill.

Cash access for future goals

Available on our GUL products, our built-in return of premium endorsement lets customers access all or part of paid premiums when they need it.

Choices to create income for loved ones

Our Income Provider Option is a no-cost endorsement that lets a customer decide how their policy’s death benefit will be paid.

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Show customers their options

Customers can choose to add optional riders and review valuable built-in endorsements that come at no extra cost. Our consumer-friendly Riders and Endorsements Guide can help you introduce each of the benefits available with our life insurance solutions.

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