Optional Life Insurance Riders and Built-in Benefits

Optional and built-in benefits to tailor clients’ protection

Protection solutions cover a range of clients needs, but they aren’t always one-size-fits-all. Our optional life insurance riders and included endorsements help you tailor coverage to protect the unique goals of every client.

Explore popular life insurance riders and endorsements

Our optional riders and valuable built-in benefits can help you meet specific needs in clients’ long-term plans.

Added protection for life’s uncertainties

Our optional ExtendCare℠ rider allows clients to advance their policy’s death benefit to help cover costs if they become chronically ill.

Explore ExtendCare

Cash access for the future

Included on our GUL products at no cost, our Return of Premium endorsement pays back all or part of a client’s premiums if they need access to cash in the future.

Explore Return of Premium

Choices to create income for loved ones

Available at no cost, our Income Provider Option lets clients decide how their policy’s death benefit will be paid to beneficiaries.

Explore Income Provider Option

A financial professional sharing life insurance information about optional benefits and riders with his clients

Show clients all available options by life insurance solution

Your clients have choices when selecting optional riders and using built-in endorsements to tailor their protection. Our client-friendly Riders and Endorsements Guide can help you introduce each of the benefits available with our life insurance solutions.

Download complete guide