Car Insurance in Oklahoma

Reader’s Question:

This 36-year-old native of Oklahoma wants to know if riders are attachable to a term life insurance. If yes, what riders can you recommend to me?

Arthur

Norman, OK

Arthur, based on your question, I can sense that you have already made up your mind on buying a term life insurance and want to load it up with riders. By the time you have read my reply, I’m sure a lot of life insurance agents have assisted hundreds or thousands of Americans who wants not only term life insurance but added life insurance riders, as well.

Arthur, most, if not all, types of life insurance policies are offshoots of term-life insurance. Also, a lot of companies now are offering special policies with life insurance riders built in to them, be they be term-life or whole-life policies. Usually, a lot of people attach an Accidental Death and Dismemberment Insurance Rider. This rider will double your death benefits if you die due to an accident, and it pays out a lump sum if any part of your body gets removed. Waiver of Premium is also popular among insurance buyers. The WOP will allow you to stop paying further premiums in case you get incapacitated or die unexpectedly. Another popular one is Return of Premiums. All premiums paid will be returned, should you attach this rider.

Arthur, there are really so many riders to choose from. There is also a Dread Disease Rider, Unemployment Rider, Child Sickness Rider and many more. Arthur, hope you give your agent in Oklahoma a call soon for a detailed explanation.

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