{"id":38262,"date":"2026-05-28T12:48:57","date_gmt":"2026-05-28T16:48:57","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=38262"},"modified":"2026-05-28T13:42:16","modified_gmt":"2026-05-28T17:42:16","slug":"guide-to-common-life-insurance-riders-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/guide-to-common-life-insurance-riders-canada","title":{"rendered":"A Guide to Common Life Insurance Riders"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">A Guide to Common Life Insurance Riders<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-05-28T16:47:57.272Z\">May 28, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">11 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128\" alt=\"Fiorella Grossi\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Fiorella Grossi<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2764840587_edit.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Guide to Common Life Insurance Riders\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2764840587_edit.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2764840587_edit.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2764840587_edit.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=A Guide to Common Life Insurance Riders &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/guide-to-common-life-insurance-riders-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/guide-to-common-life-insurance-riders-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Understanding life insurance riders in Canada<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-understanding-life-insurance-riders-in-canada\">Understanding life insurance riders in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-common-types-of-life-insurance-riders\">Common types of life insurance riders<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-add-a-rider-to-your-life-insurance-policy\">Why add a rider to your life insurance policy?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-life-insurance-rider-for-your-needs\">How to choose the right life insurance rider for your needs<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-life-insurance\">RBC Life Insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>If you\u2019re thinking about buying <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-38262-4e57f10c\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance\" class=\"rbc-link-format\">life insurance<\/a>, you\u2019re probably focused on one thing: protecting the people you love when you die.<\/p>\n\n\n\n<p>Meanwhile, there\u2019s a lot of living to do, and life may even throw some surprises your way. You might buy a new home and take on a mortgage, have a child (or two), or become critically ill. What you may not know is that a standard life insurance policy may not provide enough protection to keep pace with life\u2019s ups and downs.<\/p>\n\n\n\n<p>That\u2019s where life insurance riders come in. Riders are optional add-ons to your life insurance policy that expand basic coverage. Think of riders like apps you add to a smartphone. A base policy provides the essentials, and riders fill in the gaps, customizing coverage to your specific needs.<\/p>\n\n\n\n<p>Riders can mean the difference between a policy that truly protects your family and one that leaves them short when it matters most. In this article, we\u2019ll explain what life insurance riders are and how they work, plus we\u2019ll examine some popular options and when they could be the right fit \u2013 now and in the future.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A life insurance rider is an optional product that adds extra coverage to a standard life insurance policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Unlike a basic life insurance policy, each rider targets a specific risk, such as critical illness or accidental death.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Riders are usually less expensive than taking out a new, stand-alone life insurance policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Choosing the right rider depends on your family situation, health, and financial obligations and goals.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-life-insurance-riders-in-canada\"><strong>Understanding life insurance riders in Canada<\/strong><\/h2>\n\n\n\n<p>A rider is an optional provision added to a life insurance policy \u2013 either term or permanent \u2013 that modifies or expands coverage beyond what the base policy covers. Riders provide highly targeted protection against a specific risk. You might want added protection for your children, or a safety net in case of serious illness.<\/p>\n\n\n\n<p>You may also want more flexibility so that your coverage can change as your financial needs change through different life stages, such as buying a home. For even greater customization, you can stack multiple riders on a single policy.<\/p>\n\n\n\n<p>Riders are available when you purchase a life insurance policy. <a><\/a>Some riders can only be added to certain types of policies, and some can be added later to an existing policy, depending on the rider, and the insurance provider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How do life insurance riders work?<\/h3>\n\n\n\n<p>Each rider has its own conditions and triggers for a payout. Some provide a lump sum benefit if a specific event occurs \u2013 for example, if you die in an accident. Others allow you to change your coverage in the future without having to undergo a new medical exam or answer a health questionnaire. And some are designed to provide only temporary coverage. Because every rider works differently, it\u2019s worth talking with a licenced insurance advisor who can walk you through your options.<\/p>\n\n\n\n<p>Adding a rider to an existing policy is usually more cost-effective than buying a separate stand-alone policy for the same type of coverage. That\u2019s because they build on the underwriting of the base policy. You\u2019re not starting from scratch, so they typically don\u2019t require another medical exam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-types-of-life-insurance-riders\">Common types of life insurance riders<\/h2>\n\n\n\n<p>Here are some popular life insurance riders and the situations where Canadians may choose to add them to their existing life insurance policy:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Accidental death rider<\/h3>\n\n\n\n<p>A typical life insurance policy pays out a death benefit if you die from most causes \u2013 old age, an illness, or an accident. Add an <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/personal-accident-insurance\/\" data-dig-id=\"LP-LifeInsurance-38262-c60a08f4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"accidental death\" class=\"rbc-link-format\">accidental death<\/a> rider to your base policy, and your beneficiaries receive an additional payout \u2013 on top of the base policy death benefit \u2013 if your death is a direct result of a covered accident. It can be a practical add-on if you work in a higher-risk field like construction or law enforcement, or if you enjoy certain high-energy hobbies where the chance of an accident is higher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-critical-illness-rider\">Critical illness rider<\/h3>\n\n\n\n<p>A <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-LifeInsurance-38262-e4c99d94\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"critical illness\" class=\"rbc-link-format\">critical illness<\/a> rider pays you a lump sum if you\u2019ve been diagnosed with a serious illness. Typical conditions covered include cancer, heart attack, and stroke. The benefit is designed to pick up where your provincial health plan leaves off, allowing you to spend the money anyway you need \u2013 whether it\u2019s covering medical bills, keeping up with mortgage payments, or taking time off work to focus on your recovery.<\/p>\n\n\n\n<p>The rider\u2019s added cost may be worth it for people who are self-employed, have a family history of serious illness, or have limited or no workplace health coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-term-insurance-rider\">Term insurance rider<\/h3>\n\n\n\n<p id=\"h-term-insurance-rider-a-term-insurance-rider-provides-additional-temporary-life-insurance-coverage-to-your-base-policy-the-rider-is-active-for-a-set-period-of-time-such-as-10-or-20-year-terms-nbsp-if-you-die-during-that-window-your-beneficiaries-receive-both-the-base-policy-death-benefit-and-the-rider-s-additional-payout\">A term insurance rider provides additional, temporary life insurance coverage to your base policy. The rider is active for a set period of time, such as 10- or 20-year terms.&nbsp;If you die during that window, your beneficiaries receive both the base policy death benefit and the rider\u2019s additional payout.<\/p>\n\n\n\n<p>This is a popular option if you want a higher level of protection during your most financially demanding years \u2013 when you\u2019re paying down a mortgage or raising children, and your death would be financially devastating to your family.<\/p>\n\n\n\n<p>Then once the term ends, the rider expires. It\u2019s a cost-effective way to boost coverage when you need it most, then scale back once you\u2019ve hit your financial goals.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2451835669_edit.webp?quality=80&amp;w=1024\" alt=\"Guide to Common Life Insurance Riders\" class=\"wp-image-38261\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2451835669_edit.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2451835669_edit.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/shutterstock_2451835669_edit.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Children\u2019s term rider<\/h3>\n\n\n\n<p>A children\u2019s term rider (CTR) is one of the most affordable ways to provide your children with life insurance coverage. If a child dies, the rider pays out a death benefit, which can help cover funeral expenses, or replace lost income if a parent needs time from work to grieve.<\/p>\n\n\n\n<p>The rider makes it easy for growing families \u2013 it covers all your children, biological or legally adopted, under a single rider. Coverage is temporary and ends when the child becomes an adult, or reaches a specified age.<\/p>\n\n\n\n<p>But a CTR is about more than preparing for the unthinkable \u2014 it\u2019s also smart planning for the future. When the rider expires, adult children are able to convert that coverage to their own policy, without a medical exam. That means they\u2019re guaranteed insurability, even if their health changes later in life. And by getting coverage while children are young and healthy, families can help lock in low premiums.<\/p>\n\n\n\n<p>Learn more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-children-guide-for-parents\/\" data-dig-id=\"LP-LifeInsurance-38262-e565a52b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Life insurance for children \u2013 A guide for parents\" class=\"rbc-link-format\">Life insurance for children \u2013 A guide for parents<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Guaranteed insurability rider<\/h3>\n\n\n\n<p>If you want to add more insurance coverage later in life, it may require new medical underwriting to requalify. A guaranteed insurability rider is a way to skip that step. It gives you the option to increase your coverage at set times in the future without having to undergo a medical exam. This matters particularly for people worried about their health in the future or have a family history of disease. If your health changes as you age, you could face higher premiums or be denied coverage.<\/p>\n\n\n\n<p>This rider could also suit younger people who expect their financial responsibilities to grow over time. It lets you add additional coverage around major life events \u2013 marriage, the birth of a child, a milestone birthday \u2013 times when expenses can already be high.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Joint first-to-die coverage<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/joint-first-to-die\/\" data-dig-id=\"LP-LifeInsurance-38262-19d5b09b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Joint first-to-die coverage\" class=\"rbc-link-format\">Joint first-to-die coverage<\/a> is technically a policy structure rather than a traditional rider \u2013 it\u2019s built into the base policy, not added to it. One single policy covers two people, typically a spouse or a business partner. When the first person dies, the policy pays a death benefit to the surviving partner, and the policy ends. Coverage with RBC Insurance also allows the surviving partner to buy a new policy without new medical underwriting.<\/p>\n\n\n\n<p>For couples, joint first-to-die coverage can play a useful role in <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/\" data-dig-id=\"LP-LifeInsurance-38262-0e6361a0\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"estate planning\" class=\"rbc-link-format\">estate planning<\/a>. For business partners, the death benefit can help cover a buy-sell agreement, giving the surviving partner funds to help buy out the deceased partner\u2019s share.<\/p>\n\n\n\n<p>Read more: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-small-business-owners\/\" data-dig-id=\"LP-LifeInsurance-38262-5f2e911b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Life insurance for small business owners\" class=\"rbc-link-format\">Life insurance for small business owners<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-add-a-rider-to-your-life-insurance-policy\">Why add a rider to your life insurance policy?<\/h2>\n\n\n\n<p>It is possible to customize life insurance so it meets the needs of you and your family. Here\u2019s the case for adding a rider to your life insurance policy:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Customization:<\/strong>&nbsp;No two people have the same financial obligations, risks, or goals. Riders let you shape coverage around your specific needs, life stage, and timeline.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cost efficiency:<\/strong>&nbsp;Adding a rider is typically more affordable than purchasing a separate insurance policy for the same type of protection since you\u2019re not duplicating the set-up costs and underwriting of the base policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Simplified underwriting:<\/strong> It\u2019s often easier to get coverage by adding a rider when you purchase a life insurance policy than waiting later, when your age and health status could impact your premiums and eligibility.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Comprehensive protection:<\/strong>&nbsp;Riders can help fill important gaps in your financial safety net, creating more complete coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Peace of mind:<\/strong>&nbsp;Knowing your life insurance policy is built around your real-life needs can provide added confidence for you and your family.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Flexibility as life changes<\/strong>:&nbsp;Major milestones \u2014 like having a baby, taking on a mortgage, or changes in your health \u2013 can all impact your insurance needs. Riders can adapt to those changes without having to applying for additional coverage later.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-life-insurance-rider-for-your-needs\">How to choose the right life insurance rider for your needs<\/h2>\n\n\n\n<p>Riders can strengthen your coverage, but more isn\u2019t always better. Consider the following when weighing your options:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Assess your current life situation: <\/strong>A new parent faces different risks than someone whose children have left the nest. Start with what you need at your current life stage, income, and debt level. Then think about who relies on you financially \u2013 and how much protection they may need if you\u2019re gone.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consider your long-term goals:<\/strong> Riders should also support where you\u2019re headed. Match riders to your future goals. If you expect to have a family one day, or worry about your health when you get older, adding a rider now \u2013 while you\u2019re young and healthy \u2013 can secure lower premiums.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Evaluate cost vs. benefit<\/strong>: While adding a rider is usually cheaper than taking out a new life insurance policy, there is an additional charge. The extra premium should not only provide additional protection but also fit into your budget.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Weigh up your occupation and lifestyle risks:<\/strong> An accidental death rider might make sense if your job is physically demanding, you travel a lot, or you like sports like skiing.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consult a licensed insurance advisor<\/strong>: A <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/life-insurance\/index.html\" data-dig-id=\"LP-LifeInsurance-38262-10dd2632\" data-dig-label=\" licenced advisor\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">licenced advisor<\/a> can help you navigate the complexity of different riders and help you separate useful protection from optional extras.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Life insurance riders are designed to give you choice and extra protection beyond a standard life insurance policy. Taking time to understand what riders are and your options can help protect you now \u2013 and in the future.<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs mar-t-dbl mob-mar-t-dbl\">\n<h3 class=\"wp-block-heading\">FAQs about life insurance riders<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Can I add a rider to my existing life insurance policy?<\/h4>\n\n\n\n<p>You can sometimes add one or more riders to an existing life insurance policy, but it depends on the policy type, the rider, and the insurance provider\u2019s rules. Adding certain riders, especially those related to health conditions, may require you undergo a medical exam or answer health questions. A licensed insurance advisor can help you review your options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Are life insurance riders worth it?<\/h4>\n\n\n\n<p>Life insurance riders are worth considering for many individuals who want extra protection for specific life situations and additional peace of mind. Plus, riders often cheaper than taking out a separate life insurance policy. Whether adding a rider to an existing policy is worth it comes down to your personal situation and your family\u2019s financial security needs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Do life insurance riders expire?<\/h4>\n\n\n\n<p>Some life insurance riders are designed to expire before the life insurance policy ends. For example, a children\u2019s term rider usually expires when the child becomes an adult. Yet riders like guaranteed insurability and accidental death riders could last as long as the policy is active. An advisor can help you understand the exact terms of each rider.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Can I remove a rider from my policy?<\/h4>\n\n\n\n<p>If your circumstances change, many riders can be removed from your policy, although conditions may apply. It usually involves submitting a written request or a completed form to your insurer.<\/p>\n\n\n\n<p>But keep in mind \u2013 if you later decide to add the rider back, new medical underwriting may be required. That could mean a higher premium than before, depending on your age and health status at the time you reapply.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A life insurance rider is an optional add-on that provides additional protection. Here\u2019s some of the most common life insurance riders in Canada.<\/p>\n","protected":false},"author":203,"featured_media":38260,"comment_status":"closed","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[3,4],"article-type":[80],"ppma_author":[183],"class_list":["post-38262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-family","tag-life-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A Guide to Common Life Insurance Riders | RBC Insurance<\/title>\n<meta name=\"description\" content=\"A life insurance rider is an optional add-on that provides additional protection. 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