Riders are additional benefits that can be purchased with a life insurance policy to spread the risk cover.

Most companies offer riders that are quite similar. There are some differences, though. Rider details must be read and understood completely before purchasing them. Rider premiums can substantially add to the cost of the life insurance policy. While comparing premium costs, especially for term plans, one must compare the benefit and cost of the various riders. The common riders include:

Accidental Death Benefit Rider

Accidental Disability/Dismemberment Benefit Rider

Critical illness benefit rider" href="http://www.apnapaisa.com/insurance/life-insurance-india/Critical-illness-benefit-rider.html" target=_blank>Critical Illness Benefit Rider

Guaranteed Insurability Option Rider

Hospital Cash Benefit Rider

Life Guardian Benefit Rider

Waiver of Premium Rider

Term Rider