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A rider is an insurance policy provision that adds benefits to or amends the terms of a basic insurance policy. Riders are extra benefits that a policyholder can buy to add on to a life insurance policy and provide added protection if you meet their. Life Insurance Riders · Disability rider The policyholder receives benefits on being afflicted with a disability covered by the rider · Accidental death benefit rider The. Extra coverage: By attaching a rider to the main insurance policy, you can enjoy a comprehensive coverage. Riders are effective add-ons you can opt for along with your current term insurance policy at affordable rates, to expand the life insurance coverage. How do you increase the life insurance element in a bundled plan? You can do that by buying a term life rider.