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. 

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.