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- HDFC Life ClassicAssure PlusInvestment
- HDFC Life ClassicAssure PlusInvestment
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What are Life Insurance Riders?
Life insurance riders are contingent additional benefits over a primary policy, which come into play in case of a specific eventuality. They offer financial cover over and above basic sum assured in a life insurance policy.
Even with the occurrence of the event, the life cover remains intact. This means that even if you have drawn on a particular rider, you remain eligible for the death benefit on the life insurance plan.
What are the different kinds of life insurance riders?
There are a variety of riders to suit needs of individuals. Some of them have been listed below:
- Critical illness rider The policyholder is entitled to receive financial benefits on being diagnosed with the critical illness.
- Disability rider The policyholder receives benefits on being afflicted with a disability covered by the rider
- Accidental death benefit rider The policyholder receives benefits on an accident leading to death
- Income Benefit on Accidental Disability Rider Offers monthly income to nominee on death of life assured.
- Waiver of premium rider The policyholder is not required to pay future premiums on the policy in the event of an accident or mishap as defined by the rider.
Can riders be taken with any insurance plan?
Policyholders can attach riders to any insurance plan be it a term plan or endowment plan or unit-linked plan (ULIP) or money back plan.
The policyholder should select riders based on individual and family needs since they can enhance the life cover and secure the financial well-being of the family more comprehensively.
ARN: EU/07/21/24484