Are all riders available on every life insurance policy?

The correct answer is that the availability of riders depends on the specific policy and the insurance company. Not all riders are universally applicable across every life insurance policy because different insurance companies have varying policies, coverage options, and rider selections. Each rider may serve a particular purpose, such as enhancing coverage for critical illness or providing an accidental death benefit, and may only be available with certain types of policies or specific plans. This flexibility allows insurers to tailor products to meet diverse consumer needs.

Some riders may be exclusive to universal life or whole life policies, while others might only be available with term life insurance. Therefore, when evaluating life insurance policies, it's essential to consult with the insurance provider to understand which riders are available and how they can enhance the policy’s benefits.