What additional coverages are available?

National Guardian Life Insurance Company offers a range of additional coverages that can be customized to meet the diverse needs of policyholders. These additional coverages may include options such as accidental death benefit riders, which provide an extra layer of financial support to beneficiaries in the event of an accidental death. Another common additional coverage is the waiver of premium rider. This provision can ensure that premium payments are waived if the insured becomes disabled and unable to work, thus keeping the policy active during challenging times. Moreover, there may be options for critical illness riders, which provide financial assistance if the insured is diagnosed with a major illness. This coverage can be crucial for managing medical expenses and maintaining one’s quality of life during treatment. Long-term care riders are also available, allowing individuals to access benefits for long-term care services should they require assistance with daily living activities. Whole life and universal life insurance policies often come with additional features such as the ability to accumulate cash value over time, which can be borrowed against or withdrawn under specific conditions. It is important to note that the availability of these additional coverages can depend on the specific policy chosen and individual state regulations. To get the most accurate information about the supplemental coverages offered, policyholders or potential customers should review the details available on the official website of National Guardian Life Insurance Company or consult relevant literature pertaining to specific insurance products.