Benefits & Riders
13 MIN READ
How to Use Life Insurance in Estate Planning to Protect Your Legacy
Learn how life insurance adds instant, tax-efficient cash to an estate plan—covering probate delays, final expenses, and estate taxes, equalizing inheritances, and protecting family businesses. Compare term vs permanent, survivorship policies, and ILIT trusts, plus common mistakes.
Christopher BaldwinInsurance Cost & Risk Researcher
How to Use Life Insurance in Estate Planning to Protect Your LegacyLearn how life insurance adds instant, tax-efficient cash to an estate plan—covering probate delays, final expenses, and estate taxes, equalizing inheritances, and protecting family businesses. Compare term vs permanent, survivorship policies, and ILIT trusts, plus common mistakes.
Child Term Rider: How to Add Affordable Life Insurance Coverage for Your KidsChild term riders add low-cost life insurance for all your kids under one parent policy and protect future insurability through guaranteed conversion. Learn coverage limits, 2025 pricing, how riders compare to standalone policies, key deadlines, and mistakes that can cancel coverage.
Most read
- 1Living Benefits Life Insurance: How to Access Your Policy Before You DieChristopher Baldwin/Feb 24, 2026/14 MIN
- 2Critical Illness Rider: What It Covers and How It Works with Your Life InsuranceDanielle Harper/Feb 24, 2026/14 MIN
- 3What Is a Guaranteed Death Benefit and How Does It Protect Your Beneficiaries?Olivia Ramsey/Feb 24, 2026/17 MIN
- 4Long Term Care Rider Life Insurance: How Hybrid Policies Protect Your FutureChristopher Baldwin/Feb 24, 2026/13 MIN
- 5Return of Premium Rider: How This Life Insurance Feature Works and What It CostsChristopher Baldwin/Feb 24, 2026/14 MIN
- 6What Is a Guaranteed Insurability Rider and How Does It Protect Your Coverage Options?Christopher Baldwin/Feb 24, 2026/14 MIN
Fresh
How to Use Life Insurance in Estate Planning to Protect Your LegacyLearn how life insurance adds instant, tax-efficient cash to an estate plan—covering probate delays, final expenses, and estate taxes, equalizing inheritances, and protecting family businesses. Compare term vs permanent, survivorship policies, and ILIT trusts, plus common mistakes.
What Is an Accidental Death Benefit Rider and How Does It Work?Accidental death benefit riders add “double indemnity” to life insurance when death results from a covered accident. Learn what counts as an accident, common exclusions (illness, intoxication, risky activities), claim timelines, AD&D vs rider differences, costs, and who benefits most.
What Is a Guaranteed Insurability Rider and How Does It Protect Your Coverage Options?A guaranteed insurability rider lets you increase life insurance later without new medical underwriting. Learn how option dates and life events work, the strict deadlines and caps, what it costs, who benefits most, and the common mistakes that cause missed increases or coverage gaps.
What Is a Disability Income Rider and How Does It Protect Your Paycheck?A disability income rider adds paycheck protection to your life insurance. If illness or injury stops you from working, it can pay 50–70% of income after a waiting period. Learn disability definitions, benefit caps, costs, exclusions, and when a standalone disability policy is better.
Top stories
How to Use Life Insurance in Estate Planning to Protect Your LegacyLearn how life insurance adds instant, tax-efficient cash to an estate plan—covering probate delays, final expenses, and estate taxes, equalizing inheritances, and protecting family businesses. Compare term vs permanent, survivorship policies, and ILIT trusts, plus common mistakes.
Most read
- 1What Is a Guaranteed Insurability Rider and How Does It Protect Your Coverage Options?Christopher Baldwin/Feb 24, 2026/14 MIN
- 2What Is a Disability Income Rider and How Does It Protect Your Paycheck?Christopher Baldwin/Feb 24, 2026/13 MIN
- 3What Is an Accidental Death Benefit Rider and How Does It Work?Michael Stanton/Feb 24, 2026/18 MIN
- 4What Is an Accelerated Death Benefit Rider and How Does It Work?Michael Stanton/Feb 24, 2026/14 MIN
- 5Return of Premium Rider: How This Life Insurance Feature Works and What It CostsChristopher Baldwin/Feb 24, 2026/14 MIN
- 6Living Benefits Life Insurance: How to Access Your Policy Before You DieChristopher Baldwin/Feb 24, 2026/14 MIN
In focus
What Is a Guaranteed Insurability Rider and How Does It Protect Your Coverage Options?A guaranteed insurability rider lets you increase life insurance later without new medical underwriting. Learn how option dates and life events work, the strict deadlines and caps, what it costs, who benefits most, and the common mistakes that cause missed increases or coverage gaps.
What Is a Guaranteed Insurability Rider and How Does It Protect Your Coverage Options?A guaranteed insurability rider lets you increase life insurance later without new medical underwriting. Learn how option dates and life events work, the strict deadlines and caps, what it costs, who benefits most, and the common mistakes that cause missed increases or coverage gaps.
What Is an Accelerated Death Benefit Rider and How Does It Work?Accelerated death benefit riders let you access part of your life insurance payout while living after a qualifying serious illness. Learn what conditions qualify (terminal, chronic, critical), how much you can receive, fees and discounts, tax basics, and how ADB compares to loans or settlements.
What Is an Accelerated Death Benefit Rider and How Does It Work?Accelerated death benefit riders let you access part of your life insurance payout while living after a qualifying serious illness. Learn what conditions qualify (terminal, chronic, critical), how much you can receive, fees and discounts, tax basics, and how ADB compares to loans or settlements.
What Is a Guaranteed Death Benefit and How Does It Protect Your Beneficiaries?Understand what a guaranteed death benefit really means, how insurers enforce it, and when payouts can be reduced or delayed. Compare term, whole, and universal life guarantees, learn about contestability and exclusions, and avoid beneficiary and lapse mistakes that cost families money.
What Is a Guaranteed Death Benefit and How Does It Protect Your Beneficiaries?Understand what a guaranteed death benefit really means, how insurers enforce it, and when payouts can be reduced or delayed. Compare term, whole, and universal life guarantees, learn about contestability and exclusions, and avoid beneficiary and lapse mistakes that cost families money.
Living Benefits Life Insurance: How to Access Your Policy Before You DieLiving benefits riders let you access part of your life insurance death benefit while you’re alive after a qualifying terminal, chronic, or critical illness. See triggers, payout ranges, waiting periods, fees, tax basics, and how to decide if adding living benefits is worth the premium.
Living Benefits Life Insurance: How to Access Your Policy Before You DieLiving benefits riders let you access part of your life insurance death benefit while you’re alive after a qualifying terminal, chronic, or critical illness. See triggers, payout ranges, waiting periods, fees, tax basics, and how to decide if adding living benefits is worth the premium.
What Is an Accidental Death Benefit Rider and How Does It Work?Accidental death benefit riders add “double indemnity” to life insurance when death results from a covered accident. Learn what counts as an accident, common exclusions (illness, intoxication, risky activities), claim timelines, AD&D vs rider differences, costs, and who benefits most.
Long Term Care Rider Life Insurance: How Hybrid Policies Protect Your FutureHybrid life insurance with a long-term care (LTC) rider lets you use part of your death benefit to pay for in-home care, assisted living, or nursing homes if you can’t perform ADLs or have cognitive decline. Compare hybrid vs standalone LTC, costs, triggers, inflation, and common mistakes.
Life Insurance as Investment: How Cash Value Policies Build Wealth Over TimePermanent life insurance can build cash value you may access while alive—but fees, early surrender penalties, and policy design can make or break results. Learn how whole life, UL, IUL, and VUL grow value, how loans/withdrawals work, when it beats investing, and the mistakes that destroy returns.
Child Term Rider: How to Add Affordable Life Insurance Coverage for Your KidsChild term riders add low-cost life insurance for all your kids under one parent policy and protect future insurability through guaranteed conversion. Learn coverage limits, 2025 pricing, how riders compare to standalone policies, key deadlines, and mistakes that can cancel coverage.