Agile Insurance Strategies

Insurance Risk Management​

Life Insurance Riders 


The accidental death benefit rider provides additional life insurance coverage in the event the insured’s death is accidental.


The waiver of premium rider relieves the policyholder of making premium payments if the insured becomes disabled and unable to work. 


The disability income rider pays a monthly income in the event the policyholder becomes unable to work for several months or longer due to a serious illness or injury.


Upon diagnosis of terminal illness, the accelerated death benefit rider allows the insured to collect a portion or all of the death benefit.


The long-term care rider is a type of accelerated death benefit that can be used to pay for nursing home, assisted living, or in-home care when the insured requires help with activities of daily living, such as bathing, eating, and using the toilet.


A guaranteed insurability rider lets the policyholder buy additional insurance at a later date without a medical review.