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Life Insurance Unveiled: Surprising Benefits You May Have Overlooked

Updated: Feb 25, 2023

Life insurance policies often have extra benefits that you can add to your policy for an extra cost. These are called riders, and they can help you get more out of your life insurance policy.

Below are these benefits:

1. Accelerated death benefit rider

This means that if you're very sick, you can get some of your life insurance money before you die. This could help you pay for medical bills or anything else you need.

2. waiver of premium rider

If you become disabled and can't work, this rider lets you stop paying your life insurance premiums while still keeping your coverage.

3. A child rider

This is a benefit that provides coverage for your children in the event of their death.

4. An accidental death benefit rider

This provides an extra benefit to your family if you die because of an accident.

They can help you get more out of your life insurance policy.

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5. Long-term care rider:

This lets you use some of your life insurance benefit to pay for long-term care if you need it.

6. Return of premium rider:

This gives you back all the money you paid for your life insurance policy if you outlive the term of the policy.

7. Disability income rider

This provides you with a regular income if you become disabled and can't work.

8. Term conversion rider

lets you convert your term life insurance policy into a permanent life insurance policy without taking a medical exam.

9. A guaranteed insurability rider

This lets you buy more life insurance later on without having to take a medical exam.

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Remember that every insurance company and policy may have different riders and benefits, so it's important to do your research and talk to a financial professional to choose the right life insurance policy and riders for you.

Contact us today we help you achieve Financial wellness and shop for the

best combination of price/coverage for life insurance.

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