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...

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