What’s the difference between a rider and a standalone policy?

Riders are add-ons to your life or health insurance. Standalone policies are separate. We’ll help you compare the pros and cons.

How is the benefit paid out?

Most critical illness policies pay a lump sum directly to you after diagnosis — use it however you need.

Sometimes — it depends on the policy and carrier. We’ll guide you through the application process either way.

Often, yes. It depends on your insurer and policy type. We can check for you.

Yes — and they vary by plan. We’ll make sure you know what’s covered before you sign anything.

What’s the difference between a rider and a standalone policy?
Riders are add-ons to your life or health insurance. Standalone policies are separate. We’ll help you compare the pros and cons.
How is the benefit paid out?
Most critical illness policies pay a lump sum directly to you after diagnosis — use it however you need.
Do I need a medical exam to add one?
Sometimes — it depends on the policy and carrier. We’ll guide you through the application process either way.
Can these riders be added to existing policies?
Often, yes. It depends on your insurer and policy type. We can check for you.
Are there exclusions or waiting periods?
Yes — and they vary by plan. We’ll make sure you know what’s covered before you sign anything.