Riders That Matter

A base policy covers death. Riders cover everything that happens before it — accidents, disability, critical illness, terminal diagnosis.

In this advanced session we go through all eight major AIL riders one by one: Accidental Death, the B2000 Special AD Benefit with its $10K/$25K/$50K payout tiers, the Terminal Illness Rider that pays 50% of your face amount while you're still alive (included free on every policy), the Critical Illness Rider, Waiver of Premium, Guaranteed Insurability, the Children's Term Rider, and the Spouse Rider.

We show what each one costs from the 2025 ratebook, who needs it, and how they stack together into a protection plan — not just a policy.