Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Many term life insurance companies include riders
  • If you start the policy healthy, you can get lengthier terms
  • Researching an insurer will make sure you have no issues later

Many life insurance companies sell term life insurance with a rider. To get the best term life insurance quotes, you’ll want to make sure that you apply early. Do your research to ensure you get a policy with the best insurance company available.

If you’re looking for rates for life insurance companies that sell term life insurance with a rider, enter your ZIP code into our free quote tool.

Term Life Insurance Companies With Riders

Several life insurance companies that provide term life insurance offer riders to go with it. These can be as limited as accident coverage or as serious as extending coverage to your children. Either way, a rider is a great way to customize or add to your policy.

Many term life insurance companies offer insurance policies with riders. For example, below is an overview of a Prudential term life insurance policy that offers a return on premiums, with a living needs benefit rider included:

Coverage Outline for Prudential Return of Premium Term
Prudential Return of Premium TermInformation
Issue Ages:ROP Term 15 Year: 18-65 (18-55 Smokers), ROP Term 20 Year: 18-60 (18-55 Smokers), ROP Term 30 Year: 18-50 (18-45 Smokers)
Death Benefit Amounts:$100,000-$10,000,000
Health Classes:Preferred, Standard & Tobacco
Riders:Living Needs Benefit (Included)
Convertible:Yes; up to age 65 or before the end of the level premium period, whichever comes first.
Renewable:To age 95
Additional Features:*15-Year ROP Option, *PruFast Track Accelerated Underwriting, *Living Needs Benefit Included
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For healthy individuals, this Prudential policy offers lengthy terms with an included rider at a death benefit worth between $100,000 and $10,000,000. It can also provide some of the best term lengths, up to 25 years.

Life insurance companies that don’t sell term life insurance with a rider do so to avoid the hassles of adding extra coverage.

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Term Life Insurance Basics

According to the Insurance Information Institute, a term life insurance policy lasts for a certain period in your life. So, as long as you pay your premiums, your beneficiaries will receive the death benefit if you die within that period.

If you die outside of the policy’s term length, the insurance company doesn’t pay anything.

Who benefits from term life insurance?

Term life insurance is one of the most affordable policy types out there. This type of life insurance is great for anyone who only wants coverage for a period of time.

It can be used in a variety of situations, including

  • Starting a young family
  • Starting a business
  • Covering an endangered family member

With a term life insurance policy, you can guarantee that your loved ones will be cared for. As long as you maintain your policy for the length of the term, you can rest a little easier knowing the future is taken care of.

What is a life insurance rider?

A life insurance rider is an add-on to a typical term life insurance policy that customizes your coverage. This can extend your coverage, add additional insurees, or return a portion of your premiums, to name a few.

Popular Life Insurance Riders

Life insurance riders further customize your coverage and ensure that you get the most out of your policy. Some of the more popular life insurance riders include:

  • Guaranteed Insurability Rider – Guarantees that you can get a policy without any medical underwriting but may affect rates and death benefits.
  • Accidental Death Rider – If you die due to an accident, this rider adds additional value to the death benefit.
  • Waiver of Premium Rider – Under this rider, you stop paying premiums if you’re permanently disabled or injured before a specified age.

As you can see, these add-ons allow for additional value and coverage from the life insurance policy.

How to Find a Good Life Insurance Company

To find a life insurance company that works for you, make sure it has the financial means to take care of your loved ones and the industry reputation to follow through. You want to make sure you buy life insurance from the best.

Customer and Industry Reviews

Popular rating services, like A.M. Best, rate companies on their ability to pay out on claims and overall financial strength. This serves as a good indication for new customers who aren’t sure if an insurer has the means to pay out on a policy.

Another option is to read reviews from customers like you who have experienced buying a term rider. For example, the Better Business Bureau shows active and resolved customer complaints. This serves as an indication of some issues you may face during the term policy.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Term Life Insurance With a Rider: The Bottom Line

Many affordable life insurance companies sell term life insurance with a rider. Since term life insurance is the most simple life insurance policy, riders are a great way to make sure you get comprehensive coverage.

If you’re looking for quotes from life insurance companies that sell term life insurance with a rider, enter your ZIP code into our free quote tool.