As you start to explore policies types, you see/hear the word "rider" often. A rider basically means extra coverage not covered in your policy. If you think about your car insurance, Roadside Assistance is an example of a rider. It's an "extra" benefit you are willing to pay for that is not covered in your policy.
In life insurance common riders are living benefit, accidental death, long term care, critical care, & waiver of premium for disability to name a few. Everyone has different needs & riders will allow you to customize your plan. Keep in mind, the more riders you have, the more your premium will be. Some plans may have your particular need covered in the policy. Make a wish list of everything you need your policy to accomplish, then your agent (YES, I'm an agent), will help you find policy options that fit you.