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The different types of insurance riders available
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[QUOTE="Augusta, post: 296440, member: 25283"] They are different types of Riders available and it is up to an insured to look at them and go for the ones that best suit them. So what are the riders available here: Exclusionary Riders These type of riders limit coverage under a policy to a particular event or situation. Long-Term Care Rider The Long-term care coverage is offered as a rider to a cash value insurance product which includes, variable life, universal and whole insurance. A rider can be used for realising some long-term care issues. The money expended will reduce the policy's death benefit of the insured at the end of the day beneficiaries will get the death benefit but the amount paid out under the long-term care rider will have been substracted. Term Conversion Rider This rider covers for a limited time as the name implies. it can be between 10 - 30 years. but at the expiration of this policy, , the insured is not guaranteed any new coverage at the same terms. This rider enable the insured to convert an existing term life insurance to permanent life insurance without a medical exam. Waiver of Premium Riders This rider is offered only at the start of a policy and may not be available in all state. As the implies there's waiver of premium rider, the insured party is relieved of premium payments if the insured becomes very sick [/QUOTE]
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The different types of insurance riders available
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