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Life insurance riders and optional benefits to protect what matters most

Our riders and optional benefits give clients more flexibility to achieve the security they deserve. Together, we can help them choose the right options to protect the goals they have in life.
Optional benefits that are valuable to clients, and you
Like you, we want to help clients secure protection that fits their goals. We put more options within reach with riders and benefits that can help them achieve a greater sense of security and freedom. We’ll make sure you have what you need to easily offer these benefits and make the most of your client’s life insurance coverage.
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Options to get clients the protection that’s right for them

We’ll work together to make better protection more accessible to your clients. Help them learn which optional riders might be right for them, and review other valuable included benefits to fill any gaps in their long-term plans.
Added protection for life’s uncertainties
Our optional ExtendCare℠ rider lets them advance their life insurance policy’s death benefit to manage the cost if they become chronically ill.
Cash access for future goals
Available on our GUL products, our built-in return of premium endorsement lets clients access all or part of paid premiums when they need it.
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Overloan protection
Our overloan protection benefit endorsement is built into our VUL. It helps prevent your clients from losing their coverage due to policy loans.
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Show clients their options
Your clients can choose to add optional riders and review valuable built-in endorsements that come at no extra cost. Our client-friendly Riders and Endorsements Guide can help you introduce each of the benefits available with our life insurance solutions.

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We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
WEB.3079077 (09.21)