Included Features vs. Available Options (Riders)

Many term life insurance policies include specific features with the policy that do not require additional premium. QuickQuote refers to these throughout the Web site as 'Included Features'.
An example of a common Included Feature is the Accelerated Death Benefit provision. This provision typically allows for the one-time acceleration or advance of up to 50% of the death benefit proceeds payable under the base insurance policy, not to exceed $250,000. An insured may become eligible for this benefit if diagnosed by a qualified physician as having 12 months or fewer to live. Specific requirements and limits vary by company.
Nearly all term life insurance policies in the marketplace offer optional benefits the policy owner can add to the policy for additional premium. These benefits are commonly called optional riders. QuickQuote refers to these throughout the Web site as 'Available Options'.
Examples of common Available Options are:
Accidental Death Benefit Rider: This benefit is optional with many policies today. It provides an additional death benefit when the insured's death is caused by an accident.
Children's Term Life Insurance Rider: An optional policy provision that provides a small amount of life insurance coverage on the lives of the primary insured's children. The amount of coverage varies by company and one rider typically covers all of the insured's eligible children.
Waiver of Premium Rider: An optional policy provision that provides for the continuation of life insurance coverage without further premium payments if the insured becomes totally disabled.