Month: August 2021

When you have life insurance, you often don’t think about what it could really provide. You want a death benefit for your loved ones, and that’s all you really think about. But there is more to every life insurance policy than that, and there can be more if you want there to be.

At Carminucci Agency, we want Croton Falls, NY residents to feel secure with their life insurance policies. You want to have everything you need for your dependents included. Make sure that you know of all the possible life insurance policy add-ons and riders that you can include in your policy.

Guaranteed Insurability Rider

This rider is an add-on that allows you to add coverage without an additional medical exam. Most life insurance policies require a medical exam, you won’t need one when you get this rider or add-on when you want to add extra coverage.

Accidental Death Benefit

In the event that the death is an accident, there may be an additional benefit paid to your dependents, on top of your purchased coverage. This is often the equivalent of the face value of the original policy. Your family then would get twice the value of your original policy coverage with this rider.

Premium Waiver

With this rider, your premiums are waived if you become permanently disabled in the event of an injury or illness. This add-on allows you to have premiums waived until you can go back to work.

Get a Quote

These are just a few of the riders available to those who have purchased life insurance, but want to be sure their loved ones are financially secure in the event of their death. To find out more about these and other life insurance policy details in Croton Falls, NY, call the Carminucci Agency today for a quote.