What types of riders can I add to my policy?

When considering additional riders for a policy with Lincoln National Life Insurance, it is important to understand that riders are optional provisions that can enhance the policy's benefits and customization to better meet individual needs. Lincoln National typically offers several riders that policyholders can consider, depending on the type of insurance policy they have and their specific coverage requirements. One common type of rider is the accelerated death benefit rider, which allows a policyholder to receive a portion of the death benefit in the event of a terminal illness. This can provide financial assistance during a challenging time when funds are needed for medical expenses or other urgent needs. Another popular option is the waiver of premium rider, which ensures that premiums are waived if the policyholder becomes disabled and cannot work. This rider can protect individuals from losing their coverage during critical times. Additional riders may include children's riders, which provide coverage for children under the policyholder's plan, and accidental death benefit riders, which offer an additional payout if the insured passes away as a result of an accident. The specific riders available can vary based on the policy type and the individual circumstances of the policyholder. Therefore, it is advisable for individuals to review their policy details, as well as the current information available on Lincoln National's website, to explore the full range of available riders and understand how they can best enhance their coverage.