Elevate Your Policy with Riders

Personalized options designed to enhance your coverage and peace of mind

Young man at home on crutches, representing the value a Waiver of Premium rider adds to a life insurance policy in case of disability

Waiver of Premium

 

Protect your financial future with the Waiver of Premium rider. This vital add-on ensures coverage if you're unable to work due to a disability.

 

How it works:

After six months of total disability, all future premiums are waived for the duration of your disability. Your policy remains active and fully protected.

Key Benefits

  • Premiums paid during the initial six months are reimbursed once the waiver activates.

  • Your policy stays intact— coverage continues.

  • Upon recovery, premiums resume without retroactive payments.

 

White and blue protection shield representing the Guaranteed Insurability Option (GIO) rider, adding value by allowing coverage increases without medical requalification

Guaranteed Insurability Option (GIO)

 

Secure your future insurability by increasing whole life coverage—no medical exams needed.

What it offers:
The GIO lets you buy up to $25,000 in additional whole life insurance at milestones without health questions.

Key benefits:

  • Eligibility at ages 25, 28, 31, 34, 37, and 40

  • Premiums based on your age when you increase coverage

Ideal for children’s policies and younger adults securing future insurability.


You may activate early for life events like marriage, childbirth, or adoption.

 

 

 

 

 

Family with kids and dog in yard, representing the need to protect what matters most with life insurance

Life Insurance Coverages

 

Lovely home with beautiful yard, representing the value of additional life products like mortgage and paycheck protection that safeguard a family’s lifestyle

Mortgage & Paycheck Protection

Patient in hospital with IV in hand, representing supplemental coverages such as accidental, critical illness, and cancer plans that protect against the unexpected

Accidental, Cancer & Critical Illness Plans

🛡️ Did you know?

1 in 4 young adults under the age of 25 will face a disability lasting a year or longer during their working years—well before retirement.

 

Could you manage without your full income—or with a significantly reduced one? Wouldn't it be a relief if your life insurance premiums were waived during such a challenging time?

Absolutely, it would!

Young man sitting and holding a cane, representing how a Waiver of Premium rider eliminates the stress of paying life insurance premiums during disability without the worry of losing coverage.

Add Flexibility & Extra Protection with Policy Riders

 

Our lives are not one-size-fits-all—your coverage shouldn’t be either. Riders are optional add-ons that enhance and elevate your primary policy with tailored features to meet your changing needs.

Whether you're looking to secure future insurability, or ease the financial burden during disability, riders can add powerful benefits to your base policy—often for just a few extra dollars per month.

A Few Common Riders We Offer Include:

  • Waiver of Premium: Keeps your policy active without payments if you become disabled.

  • Guaranteed Insurability Option (GIO): Lets you increase coverage in the future—no medical exam required.

  • Accidental Death Benefit: Provides extra funds to your family if death occurs due to an accident.

  • Child Rider: Offers affordable protection for your children under your policy.

Riders offer peace of mind by giving you more control and flexibility. You’ll know your family’s protection can grow and adapt with life’s unexpected turns.

 

Have questions about which riders make sense for you?
We’re here to help you customize the right plan for your needs—and your budget.

vist our FAQ for more Q&A

Take the Next Step

  • Get your custom no cost Needs Analysis & Quote — a personalized session with one of our licensed agents.

  • Choose what fits — we'll simplify the decision process and guide you through your options.
  • Enjoy peace of mind — with a custom plan that protects what matters most.

👉 Ready to get started? Request a Consultation or call us today!