Do You Want a Life Insurance Spousal Rider?

If you are purchasing life insurance, you may be able to add additional riders to your policy. One rider that you can typically purchase is referred to as a spousal rider. Here are the basics of the life insurance spousal rider.

Life Insurance Spousal Rider

A rider is an add-on to your insurance policy that can provide you with additional insurance coverage. With the spousal rider, you can actually add-on life insurance coverage for your spouse. Many people prefer to utilize this option instead of getting a completely separate life insurance policy for their spouse. Typically, a life insurance spousal rider is going to provide term coverage for your spouse for a predetermined amount of time.


Choosing a life insurance spousal rider can provide you with a few benefits. First of all, it is going to be easier for you to have to deal with one policy and one premium payment instead of working with multiple policies. Another benefit that you could potentially receive is that a spousal rider can be less expensive than purchasing a traditional life insurance policy. Therefore, if you want to save some money on your coverage, getting a rider might be to your advantage.

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