Life Insurance Basics

What is a life insurance rider?

A rider is a document that becomes a part of a life insurance policy, which can provide additional coverage or benefits.

Does the policy I apply for with Ethos include any riders?

  • Yes, the policy includes the following:
    • Accelerated Death Benefit: this rider provides the insured with the ability to access a portion of the policy proceeds while still living in the event the insured has been diagnosed with a terminal illness. The amount received by the insured can be used to assist with medical bills or any other purpose as determined by the insured. At the time of the insured’s death, the policy proceeds will be reduced as a result of the death benefit acceleration. Refer to the rider for details.
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