Riders are additional benefits that you can opt for with your insurance plan for an extra amount. They are always attached to a basic/standalone policy a person takes.
They cannot be bought separately or independently off a basic policy. Each Rider will have its own premium rate and separate policy conditions.
for example: a whole life policy can have a waiver of premium rider attached to it.
Premiums for Riders are lower compared to standalone, they will be terminated if the policy-owner decides to terminate the standalone policy.
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