This article, "The 9 Most Useful Life Insurance Riders," does a fine job expalining in terms consumers can easily understand what riders are and how they can benefit policy holders. It also provides insights from NAIFA member Shelley Fiore of Michigan.
We also really like the final quote of the article, given by Al Lurty, senior vice president of ING's U.S. insurance operation:
"My best advice is to talk to a knowledgeable life insurance agent to help make an informed decision," Lurty says.