What Is an Insurance Rider and Should You Get One? (2025) Ever wished your insurance policy could do a little more? That’s where riders come in. In 2025, riders are customizable add-ons that let you tailor your coverage to your exact needs — without buying a whole new policy. But are they worth it? 💡 What Is an Insurance Rider? An insurance rider is an optional feature you can add to your base policy. It provides additional coverage or flexibility — often for a small extra cost. Riders are most common in life, health, and disability insurance. 🔎 Common Types of Riders Accidental Death Benefit: Pays extra if death is due to an accident Waiver of Premium: Stops premium payments if you become disabled Critical Illness Rider: Lump sum payout for serious illness like cancer or stroke Child Term Rider: Covers your child under your policy at low cost Return of Premium: Refunds your premiums if you outlive your term ✅ Pros and Cons Pros Cons Customizes your plan ...