1.

Accidental Death Benefit - if the insured dies as a result of an accident, the death benefit is increased in relation to the policy's face amount.
Double indemnity is one example of an accidental death benefit. The benefit paid as the result of a fatal accident is equal to the face amount of the policy, thereby doubling the benefit.

2.

Children's Rider - added to any type of life insurance policy to provide term insurance coverage on the insured's children.

3.

Decreasing Term Rider - provides annual decreasing term insurance for a specific number of years. Can be added to a whole life insurance policy.

4.

Guaranteed Insurability - allows the policyholder to buy more insurance coverage at a later date without having to requalify. This allows you to buy what you need now, then if your needs change later, you are guaranteed the option of purchasing additional coverage.

5.

Return of Premium - this alters a life insurance policy so that the premiums are paid back to the beneficiaries at the time of the insured's death along with the original death benefit.

6.

Spouse Rider - added to any type of whole life policy to provide term insurance coverage on the insured's spouse.

7.

Waiver of Premium - pays the premium on the life insurance policy of the insured if he or she becomes disabled and can no longer pay the premium, thereby avoiding cancellation of the policy.