Life Insurance Riders

Browse 2 expert life insurance riders guides written and reviewed by licensed insurance agents.

Life Insurance

Accelerated Death Benefit Rider - How It Works

An accelerated death benefit rider lets you withdraw part of your life insurance death benefit early if you are diagnosed as terminally ill, and often for critical or chronic illness too. Most modern policies include the rider at no extra cost, and the withdrawal is generally income-tax-free. It turns your life insurance into a source of funds while you are still living.

Brian Greenberg•Updated Jul 2026

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Life Insurance

Long-Term Care Rider on Life Insurance - How It Works

A long-term care rider on a life insurance policy lets you use part of your death benefit to pay for qualified long-term care costs like a nursing home, home health aide, or assisted living. It builds LTC coverage into a policy you would already own, and unlike stand-alone LTC insurance, the death benefit still pays out to your family if you never need care.

Brian Greenberg•Updated Jul 2026

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