01.Core Concepts

Some policies pay accidental death, dismemberment, and loss-of-sight benefits Optional benefits include: Under a cost-of-living rider, the insurer periodically adjusts benefits for increases in the cost of living Some insurers provide an option to purchase additional insurance in the future A Social Security rider pays an additional amount if the policyholder is turned down for SS disability benefits A return of premiums rider refunds part or all of the premiums if the policyholder’s claim experience is favorable ‹#›