What additional riders are available with John Hancock life insurance policies?

John Hancock offers a variety of optional riders that policyholders can add to their life insurance policies to tailor protection according to their individual needs. One of the most popular riders is the waiver of premium rider, which ensures that if the policyholder becomes disabled and is unable to work, the premiums will be waived, allowing the coverage to remain in force without any payment responsibility during that time. Another common rider is the accelerated death benefit rider, which allows the insured to access a portion of the death benefit while still alive if diagnosed with a terminal illness. This can provide financial support for medical expenses or other needs during a difficult time. There is also the child term rider, which offers coverage for the policyholder’s children, providing a death benefit in the event of a child's passing. This rider can usually be converted to a permanent policy as the child becomes an adult. Additionally, John's Hancock policies may include a critical illness rider, which provides a benefit if the insured is diagnosed with a critical condition specified in the policy. It is important to note that the availability of these riders may depend on the specific type of life insurance policy selected. Individuals interested in exploring these options should review their specific policy details or look at the current web page for comprehensive information about the available riders and related costs. Each rider can enhance the protection offered by a base policy, allowing individuals to customize their coverage effectively.