Sentences with phrase «rider on»

New York Life offers a Chronic Care rider on its whole life insurance policies.

Return of premium rider on a critical illness policy promises to pay you back all your premiums should you not make a claim.

It works well as a rider on a regular types of life insurance policies but it should not be your only coverage, unless you have no other options available.

If you opt to visit a doctor every year, and your medical exams come up clean, then those with a Wellness for Life rider on their permanent life insurance policy will be given a discount.

If a disability income rider on a term life insurance policy is traditional disability insurance's little brother, then chronic illness riders are long - term care riders» fraternal twin; they are cut from the same cloth but still very different.

Koetz says taking out a rider on a bicycle also would help establish its value for insurance purposes.

A rider on a $ 1,000 bike with one of Koetz's carriers could cost up to $ 160 per year.

Aside from guaranteed issue life insurance policies, a rider on permanent products from traditional carriers is perhaps the only other place where coverage may be described in unit terms.

Often, this benefit will be purchased as a cost of living rider on the policy.

This coverage can also be purchased as a rider on an existing life insurance policy.

The long - term care insurance benefit is provided through an optional rider on the policy.

One can also opt for a so - called accidental death policy / rider on top of a life insurance policy, so that in case of an accidental death both benefits will be paid; this is called «double indemnity».

A collision deductible waiver is a rider on a collision coverage policy that covers the deductible if you are hit by a car with an uninsured driver.

If you're a freelance graphic designer living in Oklahoma City working from home, you may be best served by a commercial use rider on your homeowners policy.

The product, called VantisTerm ROPSM, incorporates a return of premium rider on the company's traditional level term life insurance policy.

You would need to buy a separate border policy or rider on your current policy that provides insurance coverage in Mexico.

If you have expensive or antique items like jewelry or artwork, you may have to buy a rider on the policy or a separate policy entirely to ensure your special belongings are protected.

Sinkhole insurance can be purchased as an additional rider on some home insurance and business policies, but not all companies offer this coverage as an option.

The final benefit of our indexed universal life insurance pros and cons list is one that is actually an additional life insurance rider on most policies — the disability rider.

The policy builds cash value that can be borrowed against and there is a terminal illness rider on all polices with face amounts of $ 25,000 or greater.

For example a life insurance policy with a death benefit of $ 250,000 would result in a $ 500,000 death benefit if the cause of death was accidental and if you had the rider on the policy.

Some carriers will put an exclusion rider on the policy to eliminate the coverage of actually driving the car.

Typically, as part of a term life policy, or a permanent life insurance policy, you can get accidental death benefit rider on top of your policy.

Globus, the largest U.S. tour operator, sells a $ 30 rider on a policy through TripMate that allows cancellation for any reason up to 24 hours before departure.

Having a rider on, say, a ring also broadens coverage for that item, says Griffin.

You could call up your homeowner, condominium or renter's insurance agent and ask them to put a rider on your policy for your instruments.

A Jet Ski policy can help to cover injuries and damages you or another rider on your policy cause.

The rider on a life insurance policy is purchased separately from the policy and it will provide additional benefits, typically at an additional premium cost.

Does it make sense to pay an additional cost for a waiver of premium rider on a life insurance policy?

The holder of a motorcycle instruction permit may only operate a motorcycle during daylight hours, must be accompanied by a motorcycle - endorsed rider on a separate motorcycle who is at least 21 years of age, may not carry any passengers, and must wear an approved helmet.

These additional plans are going to be purchased as a rider on a policy that you already own, either for yourself or for your spouse.

That's a reason to take out a special rider on any antiques you own.

Aside from your regular possessions, if you have especially valuable items, like jewelry, collections, furs, etc., you should also consider a rider on your plan.

The same goes with a spousal rider — it might make more sense for your spouse to have his or her own life insurance policy than being a rider on yours.

This can either be sold as a return of premium policy or as a rider on a traditional term life insurance policy.

Buying a separate term life insurance policy for your spouse is usually the wiser choice, but the alternative is including him or her as a rider on your own policy — as long as you make sure you know exactly what the rider is adding.

If you have a Social Benefits Offset rider on your policy, however, the benefit amount of your private policy will be reduced by the amount you receive from the federal government.

And, if you have a conversion rider on your term life insurance policy, you can convert it to a permanent life insurance policy sans medical exam.

You might even have the option of purchasing a disability income rider on a new life insurance policy outside of what your employer offers.

You'll also have spent the cash necessary to carry all that gear in the right pack and you'll have insured it with a special rider on your homeowner's policy.

If you have an own occupation rider on your policy, you're able to define your occupation according to your specific profession.

If you can't afford or qualify for a standalone LTD policy, a disability income rider on your life insurance policy is the next best thing.

Luckily, she paid for a critical illness rider on her life insurance policy, which gave her enough money to cover her hospital bills and buy a new bike.

Some stay - at - home parents may be able to get life insurance coverage by buying what's known as a rider on their spouse's policy.

AD&D can sometimes be added as a supplementary coverage rider on your existing life insurance policy, or as a stand - alone insurance policy.

In the event that you require long - term medical care in old age that your health insurance policy won't pay for, such as nursing home costs or at - home care, a long term care rider on your whole life insurance policy will cover the costs.

It's like a long - term disability insurance policy, but instead of just buying a separate long - term disability policy, it's a rider on your life insurance policy.

It can be purchased as a standalone product, or as a rider on a life insurance policy that triggers when a chronic illness leaves someone unable to care for themselves.

If you are found to be responsible for an injury to a passenger or a rider on another sled, you may find yourself being sued for bodily injury costs and lost wages.

Thanks to the acceleration of death benefit rider on his life insurance policy, however, Richard was able to get money to cover his huge medical expenses, allowing his wife and family to say goodbye without the specter of debt hanging over their heads.