Optional Life Insurance Riders and Benefits

Optional and built-in benefits to tailor clients' protection

Protection solutions cover a range of clients’ needs, but they aren’t always one-size-fits-all. Our optional life insurance riders and included endorsements help you tailor coverage to protect the unique goals of every client.

Learn about popular life insurance riders and endorsements

Our optional riders and valuable built-in benefits can help you meet clients’ specific long-term needs.

Added protection for life’s uncertainties

Our optional ExtendCare^SM rider allows clients to advance their policy’s death benefit to help cover costs if they become chronically ill.

Cash access for future goals

Included on our GUL products at no cost, our Return of Premium endorsement pays back all or part of a client’s premiums if they need access to cash in the future.

Choices to create income for loved ones

Available at no cost, our Income Provider Option lets clients decide how their policy’s death benefit will be paid to beneficiaries.

A financial professional sharing life insurance information about optional benefits and riders with his clients

Show clients all available options

Your clients have choices to tailor their protection. Our client-friendly Riders and Endorsements guide can help you introduce each of the benefits available with our life insurance solutions.

Download complete guide