In a life insurance policy, what does a 'rider' usually provide?

A rider in a life insurance policy is additional coverage or a modification that enhances the primary policy's benefits. Riders can address a variety of needs, such as accelerating the death benefit in case of terminal illness, providing coverage for accidental death, or offering a waiver of premium in the event of disability. The flexibility and customization that riders bring to a policy are key features that allow policyholders to tailor their insurance to fit their specific circumstances and financial goals.

While other options mention aspects related to premiums and death benefits, they do not capture the essence of what a rider truly offers. A rider is not solely a permanent reduction in premiums, nor does it typically represent a temporary waiver or just an increase in the death benefit; it encompasses a broader range of modifications and enhancements available to policyholders.