Several policy riders are available: The Enrichment Rider (
option to add more coverage and cash value over time as you need it); Accident Death Benefit (additional payment for a death as the result of an accident);
Child Term Rider (coverage added for your
children);
Enhanced Care (cash value available for prolonged illness with access to up to 90 percent of the policy value); Flex Term Rider (a term life policy can be added that adds to the coverage for a period of time); and the Disability Waiver (premium is waived for a disability of six months or more).