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Important: As per Finance Act 2016, from 01st June 2016, due to introduction of Krishi Kalyan Cess @ 0.5%, service tax rates has been revised . Consequently, for unit linked plans, the additional service tax will be deducted in the form of units. For non-linked plans, there will be an increase in the policy premium amount.   Click here  to know more.

What are riders? Why do I need these riders?


Riders are a way to customise your insurance plan to your needs.

When you are looking for that perfect life insurance plan to protect your financial needs, how do you make sure that a policy meets all your requirements? The answer to that question is two-fold. First of all, you need to find the most comprehensive policy that provides maximum protection. Secondly, you need to make the policy even stronger with the help of riders.

 
Understanding riders
Riders are add-on features which can supplement your existing insurance policy. These riders provide extra coverage for specific situations. You need to pay extra for these riders, depending on what and how much they cover.
 
If you feel that your insurance policy does not provide protection from a certain event, you can add protection for that event by paying extra for it. For instance, if your policy does not have any provisions for covering a serious illness, you can simply add a critical illness rider to cover it.
 
How can riders help?
Riders can be very helpful in overcoming some limitations that your insurance policy may have. Depending on the types of riders available, you can get the following advantages:
 
-    A rider can help add extra benefits to your current insurance plan
-    It can support you financially in case of a terminal illness
-    In case of an unfortunate event like death in an accident, an accidental death rider can protect family members financially
-    Riders like 'waiver of premium' rider can waive off future payments in case of disability of the policy holder
 

 

Riders can hence help you to add an extra layer of protection to your insurance plan. By adding the right type of riders, you can protect your loved ones and secure their future.
 

 Tips

  • Research well and select riders that can add real value to your insurance plan
  •  Consult your insurance company to clarify the terms of the riders

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For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale.

Trade Logo displayed above belongs to SUN LIFE ASSURANCE COMPANY OF CANADA and ADITYA BIRLA MANAGEMENT CORPORATION PRIVATE LIMITED and used by BIRLA SUN LIFE INSURANCE COMPANY LIMITED as per terms and conditions of license Agreement.

Registered Office: One Indiabulls Centre Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. CIN: U99999MH2000PLC128110 Registration No. 109.

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