What are the different riders available with Protective Life policies?

Protective Life offers a variety of riders that can enhance their life insurance policies, providing policyholders with additional benefits tailored to their individual needs. These riders are optional and can be added to a base policy, allowing for customization in order to better suit personal circumstances. One of the most common riders is the Accidental Death Benefit Rider, which pays an additional death benefit if the insured passes away due to an accident. Another popular option is the Waiver of Premium Rider, which ensures that if the policyholder becomes disabled and can no longer work, the premiums will be waived for a specified period or until recovery. Protective Life also offers a Child Term Rider, which provides coverage for a policyholder's children, granting a death benefit in case of an unfortunate event. Additionally, there may be a Long-Term Care Rider available, which allows policyholders to access a portion of their death benefit to help cover the costs associated with long-term care services, should they need them. In some cases, there may also be a Guaranteed Insurability Rider, which permits the policyholder to purchase additional coverage at predetermined times without needing to provide evidence of insurability. It is important to understand that the availability of these riders may vary based on the specific policy type and state regulations. Interested individuals should review the details on the current Protective Life web page to see the complete list of available riders and further information regarding each option, as offerings may change.