Life Insurance Riders
Why people choose life insurance riders
A life insurance rider includes optional terms or conditions that are added to the rest of your life insurance policy. While riders may increase premiums, they can offer additional benefits and expanded coverage.
Fidelity Life offers several types of life insurance riders–some are automatically included in certain policies. You may decide on a rider that adds a child insurance, an accidental death benefit, a family accidental death, or return of premium. Additionally, some plans can include an accelerated death benefit rider or have an inflation rider attached.
- Several types of riders are available from Fidelity Life to ensure your coverage is personalized to your needs.
- Some Fidelity Life riders are included with certain policies with no premium increases.
- Certain riders can help expand coverage to your spouse or dependent child(ren).
- Riders can increase a payout if you die in an accident, allow you to access benefits before you die in case of a terminal illness, or help mitigate the impact of inflation.
Find a policy that works for you
Why people choose life insurance riders
Accidental death benefit
This rider pays out if the policyholder’s death was caused by a covered accident, or by injuries from an accident within 90 days of the event.
Family accidental death benefit
Expand your standalone accidental death benefit to provide additional coverage for your spouse and dependent children.
Terminal illness rider & accelerated death benefit
If you have a terminal illness, this supplemental insurance product allows you to take out a percentage of your death benefit early.
Child insurance policy rider
This rider helps cover the costs of funeral expenses or time off work if one of your children were to pass away while your policy is in force.
Inflation
For individuals with a standalone Fidelity Life Accidental Death Benefit policy, this rider can help your policy keep pace with inflation.
Return of Premium Rider
If your standalone Fidelity Life Accidental Death Benefit policy expires before your death or you choose to cancel it, this rider refunds some of your premium costs.
