Optional Riders – Independence Plan

Optional benefit riders can help you further customize your Independence Plan disability insurance policy to suit your individual needs.

Death by Accidental Means Rider

Provides a lump sum benefit to your beneficiary if you die by accidental means.

Cost of Living Rider – Simple Interest

Helps reduce the impact of inflation by providing yearly adjustments to the monthly benefit while you are on claim.

Future Insurability Option Rider

Often income rises over a person’s working years and health may deteriorate. Although most people feel they fully insure themselves when they buy a disability insurance policy, they may find the original amount of disability insurance becomes insufficient as their careers and needs change. Unfortunately, these people may not qualify medically to buy additional coverage at a later date.

This rider helps alleviate this problem by guaranteeing that you can buy additional coverage, subject only to financial underwriting on specified option dates, regardless of changes in your health.

Sickness Rider

In addition to the injury-only protection provided in the base policy, this rider offers protection against disability due to sickness. The definition of disability (total and partial) is expanded to include both injury and sickness.