What are riders? These are separate provisions from the life insurance policy which enhances it and provides benefits of a different nature.

Disability Waiver of Premium Rider

the payment of premiums is set-aside or cancelled when the person is disabled.

But the disability must be total and permanent and must have continued for a specified period such as six months. It is always attached to a life insurance policy. Usually it must occur before a stated dated.
This is not paid for self-inflicted injuries.
if you add-on a Waiver of Premium to your policy, you won’t pay the premiums for the face amount when the condition happens. For example, waiver of premium upon disability of the policy owner – here, you won’t pay your face amount if you no longer are able to work permanently.
Waiver of premium – if you add-on a Waiver of Premium Benefit (WPB) to your policy, you won’t pay premiums for the face amount when the agreed condition happens.
For example, if you add a waiver of premium upon disability of the policy owner, you no longer need to pay for your face amount premiums if you are unable to work permanently or are permanently disabled for sustaining a living.
When you die during the period where you are permanently disabled for work, the proceeds or the benefit that your beneficiaries will receive will be the face amount. The face amount is the sum promised in the life insurance policy contract.

Supplemental Term Rider

a rider that could greatly increase the total life coverage of a permanent basic policy.

Family Income Rider

provides a monthly income from the date of death of the insurance to some future date specified in the contract.

Premiums or Payments

A premium is a legal consideration needed to effectuate a life insurance policy. Generally, premiums that are paid monthly, quarterly, or semi-annually are higher than those paid annually.