Enhance a Base Policy with Optional Riders

Optional riders a great way to enhance an already strong base policy. These valuable riders are for your clients who are seeking protection, but also wanting to maximize their amount of dollars being spent on disability insurance.

No Cost

• Catastrophic Disability Benefit Rider
• Cost of Living Adjustment Rider
• Social Insurance Supplement Rider

Additional Cost

• Residual Disability Rider
• Enhanced Residual Disability Benefit Rider
• Mental or Nervous and Substance Abuse Extension Rider
• Return of Premium Rider, Cash Value Benefit Rider.

Riders can add extra value and protection by offering residual disability benefits, covering unique disability circumstances, and offering options to return premiums.