Category Archives: life insurance riders

Waiver of Premium; What it is and the Benefits of Life Insurance Riders 2018

benefits waiver of premium life insurance rider

In the following article covering the waiver of premium rider, also known as the disability waiver of premium rider, we will define what it is, talk about the benefits of including it with your policy and how to make a claim to your insurance company if the need arises. You can also get a life […]

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Accidental Death Insurance Review 2018

Accidental Death Insurance: What it is not A popular question we often get asked is what is AD&D insurance? The majority of agents that sell accidental death prefer to refer to the insurance as “AD&D insurance” or even more tricky is when they call it accidental life insurance. We believe the main reason agents refer […]

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Best Long Term Care Life Insurance [Top 10 Companies]

hybrid long term care life insurance

Life insurance with long term care insurance provides the benefits of life insurance coverage combined with long term care insurance coverage. If you die your policy pays a lump sum death benefit to your beneficiary but if you are unable to perform 2 of 6 activities of daily living your LTC insurance provides a cash […]

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Guaranteed Insurability Rider [Top Reasons to Say Yes to this Option]

guaranteed insurability rider option life insurance

Guide to the Guaranteed Insurability Option (GIO) Rider There are many life insurance riders you can choose from to add additional layers of protection onto your life insurance policy. Among the very best life insurance riders for young adults is the Guaranteed Insurability rider, AKA the Guaranteed Insurability Benefit option, AKA Policy Purchase Option rider, […]

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Living Benefits Term and Whole Life Insurance Riders [3 Top Riders]

Chronic Illness and Terminal Illness Riders

At TermLife2Go, we represent dozens of top rated life insurance carriers. Among those are the top life insurance companies and the top no medical exam life insurance companies. We determine who is a top company by different criteria, including the various niches the companies fill, the riders offered, including living benefits, the price of the […]

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Paid Up Additions [Supercharge your Cash Value and Increase your Death Benefit]

paid up additional life insurance

Using Paid Up Additions to Build Cash Value There are certain financial “gurus” out there who bad mouth whole life, despite the many benefits that cash value life insurance offers. The main problem is the opponents of whole life make sweeping generalizations about it, despite the fact that the best whole life insurance companies offer […]

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Life Insurance Riders [Top 12 Best Policy Riders]

Choosing the best life insurance riders

Best Life Insurance Riders Some life insurance companies offer a wide range of life insurance riders while others offer only a select few. At TermLife2Go, we work with the top rated companies offering the best life insurance protection. If you need a specific rider or would like to talk with a professional about your options, […]

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Child Term Rider [How to Maximize Your Life Insurance Policy]

life insurance child rider

There are numerous advantages to life insurance. However, often overlooked are the benefits of life insurance for children. In the following article we will highlight some of the advantages and benefits and provide our readers with some additional food for thought outside of the status quo. What is a Child Term Rider? Child term rider […]

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Convertible Term Life Insurance

So you have decided that you want a level term life insurance policy, what next? As you may know, term life is “pure insurance” in that it is a policy that only lasts for a set period of time. Upon the end of the policy term you either have to renew (if your insurer allows […]

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Accelerated Death Benefit (ADB) Rider for Terminal Illness

life insurance accelerated death benefit rider

What is an accelerated death benefit (ADB)? An accelerated death benefit (ADB) is a rider attached to a life insurance policy that allows the owner of the policy to receive a lump sum cash advance on a portion (25-95%) of the death benefit if the insured is diagnosed with a terminal illness. Depending on the […]

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