What is a Life Insurance Rider and Why Should You Consider Adding It to Your Policy?

How do life insurance riders work? 

Riders let you add extra protection and flexibility to your policy. It’s all about giving you peace of mind. When you buy a life insurance policy, you can ask your agent about riders. They’ll help you choose the ones that are right for you. 

What are some benefits of riders? 

Riders May: 

• Add more protection to help your family
  Riders allow you to customize your life insurance policy to better fit your family's specific needs. That could mean more financial help for your loved ones if something happens to you. 

• Help cover kids or a spouse
  You can add coverage for your children. It’s an easy way to make sure they’re protected too. This can provide critical financial help for funeral expenses in the event of a tragedy.  

• Keep your policy active if money gets tight
  Some riders cover your payments if you become disabled or lose your income. Your coverage stays in place when you need it most. These riders protect your long-term coverage by taking care of your premiums—so you don’t have to choose between financial hardship and insurance security.  

• Add more coverage later  
  This is especially good if you experience major life changes like marriage, children, or buying a home. Life riders are a smart way to make your life insurance work harder for you. 

What are the most common life insurance riders? 

Life insurance riders that may be added include: 

• Accidental Death Benefit – May pay extra money if you die in an accident. 

• Child Term Rider – Adds coverage for your kids, often up to a certain age. 

• Term Insurance Rider – Adds more coverage for a set time. 

• Waiver of Premium – If you become disabled, a Waiver of Premium may help you keep your life insurance policy going without making you pay.  

Consider this: 

Riders aren’t one-size-fits-all. You’ll want to think about your family, job, health, and future plans. Talking to a licensed Kemper Life agent can help you choose the best riders for your situation. 

Riders may seem small, but they can make a big difference when life changes.  

Protecting What Matters Most 

Kemper Life riders offer flexibility to enhance your protection affordably, so your loved ones stay protected no matter what stage of life you’re in.   

Need help figuring out which riders are right for you? Your local Kemper Life agent can come to your home and help you choose a rider that fits your evolving needs and budget. They’ll answer all your questions and help you feel confident about protecting your future, so you can enjoy your future with peace of mind.