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What are a few examples of Riders?
Waiver of Premium
Waiver of monthly deduction
Payor coverage
Long term care
Accelerated Death Benefit
Disability Income
Accidental Death
Cost of Livingwh
Which Rider waives premiums while insured is disabled, for WL and Term Life?
Waiver of Premium (WPD)
Which Rider waives premiums while insured is disabled, for UL?
Waiver of Monthly Deduction
What Rider pays a (% of facevalue) a monthly benefit while insured is disabled?
What is the typical waiting period for Disability Income, Waiver of Deduction, and Waiver of Premium?what Rider
3-6 months
What Rider pays an additional DB if insured dies by accident?
Accidental Death (AD)
What Rider provides an additional benefit if the Insured dies by accident or dismemberment?
Accidental Death and Dismemberment
What Rider waives policy premiums for juvenile’s policies if the policyholder becomes disabled or dies before the juvenile is 21?
Payor Rider
What Rider returns part of premium if insured outlives policy?
Return of Premium
Which Rider increases face amount of Policy in conjunction with Consumer Price Index? What is the advantage of this type of coverage?
Cost of Living Rider (COLA)
To combat to inflation
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