Yes, we offer optional riders such as return of premium and waiver of premium. The return of premium rider refunds all premiums paid if you outlive the term. The waiver of premium rider continues your coverage without payment if you become disabled.

Critical illness insurance provides a lump sum cash benefit if you are diagnosed with a covered critical illness like cancer, stroke, or heart attack. You can use the funds for treatment or anything else.

We offer disability income insurance which provides monthly cash benefits if you become disabled and cannot work due to illness or injury. We also provide accidental death insurance that pays a death benefit to your beneficiary if you pass away due to a covered accident.

The life insurance provided by most employers is usually not enough protection on its own. Employer-provided life insurance typically only covers 1-2 times your annual salary, which may not be enough to cover your family's needs if something were to happen to you. We recommend supplementing it with an individual term life policy, which allows you to get 10-30 times your income in coverage. An individual policy stays with you even if you change jobs, providing continuous protection. Our instant approval process makes it easy and affordable to get the additional coverage you need beyond what your work provides.