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When it comes to achieving life goals you always want to go that extra mile to ensure that nothing keeps you away from your life goals. Insurance Riders help you do exactly that.
Riders are an add-on to the life insurance policy, which provide additional benefits at nominal extra cost or charge. As a policyholder, you can add riders to your life insurance plan which comes with rider benefits, including term plan, endowment or Unit Linked Insurance Plan (ULIP). In addition to life cover through riders contingencies like critical illness or disability etc can be covered. In essence, riders help in maximizing the benefits of life insurance cover.
Riders also help you in enhancing the benefits under life insurance policy as per your particular needs. You can add a rider to your life insurance policy at the time of purchase of the policy or later depending on the rider terms and conditions.
This provides the benefit of 1% of the rider sum assured, payable monthly for the remaining rider term or 10 years whichever is higher, in case of the earlier occurrence of death, accidental permanent total disability or first diagnosis of any of the specified 11 critical illness depending upon the rider terms and conditions.
This rider provides for regular monthly income which is equal to 1% of the rider sum assured for the remaining term of the rider or 10 years whichever is higher, on the first occurrence of death, accidental permanent total disability or first diagnosis of any of the specified 11 critical illness of the life assured depending upon the rider terms and conditions.
The rider provides 50% of the rider sum assured in case of accidental permanent partial disability or the full rider sum assured in the unfortunate event of accidental permanent total disability to the group member covered under a group plan depending upon the rider terms and conditions.