A rider is an optional add-on to a life insurance policy. Life insurance riders have a range of benefits functions like provide additional coverage, waiving premiums, or even exclude coverage for specific conditions or events. 

One common beneficial rider typically offered on most policies, including term life insurance, is a child life insurance rider. But what is a child rider on term life insurance? And how does this additional coverage work? Let’s take a look now.  

What is a child life insurance rider?

A child life insurance rider provides additional coverage that pays a death benefit in the event one of your children passes away. Your family can use the rider’s benefit to support your family during a difficult time. The benefit from these child riders is typically used to cover funeral expenses and other end-of-life costs so they won’t impact the family’s financial security. 

Adding a child life rider to your term life insurance plan is one of the most affordable ways to insure your child’s life. The only other way to insure your children is through a separate whole life insurance policy, which can be much more expensive month to month.

How do these riders work?

Firstly, you need to qualify for a term life insurance plan before purchasing a child life insurance rider. Eligibility ages can vary depending on your insurer, but typical age ranges for a term plan start at 18 and go as high as 65. At termforme.com, our term life insurance plans have an eligibility age range of 18 to 70. 

Once you qualify for a term plan, you have the option to add a child rider to your policy. Children who are typically between the ages of 15 days to 18 years old can qualify for the coverage. A child life insurance rider can usually last up until the child reaches adulthood. Most insurers allow this coverage to last up to the age of 25. Some child life insurance riders also allow your children to convert the rider into a permanent life insurance plan.

What are the benefits of adding a child rider to a term life insurance plan?

Adding a child life insurance rider provides your family with further financial stability if the worst happens. Besides further securing your family’s financial future, a child term life rider has the following additional benefits:

Are there any exemptions?

An easier way to purchase term life insurance

At termforme.com, our goal is to make every aspect of term life insurance as easy as possible for Americans from every walk of life. Our 10-year term life insurance, 20-year term life insurance, and 30-year term life insurance plans all have a simple application process that can be done over the phone with no paperwork or face-to-face meetings with agents required.

If you are interested in learning more about your term life insurance options, feel free to use our short free quote form now.


Written by: Adam Bianco

Term life insurance is the most affordable life insurance policy on the market today. Like the name says, this is coverage for a specific period of time, known as a “term.” This facet of the coverage is what makes it so simple yet so cost-effective for many Americans. 

Term life insurance offers coverage for only a certain period of time, and it doesnt have any extra benefits like investment components, so the policy is always the most affordable option. This form of coverage is often called “pure life insurance” because you’re only paying for the coverage and nothing else.  (more…)

Heart attacks are severe conditions that can have a lasting impact on your life. If you’ve been the victim of a heart attack, you may have found yourself thinking about your loved ones’ financial future. 

What will happen to them if you were gone? Would they be able to stay financially secure without you? Perhaps even life insurance had crossed your mind.

But can you get life insurance after a heart attack? Today, we’re looking at this question and shedding light on the possibility of term life insurance for heart attack victims. (more…)

There are many forms of life insurance coverage available, and each policy helps protect the people you care most about if something happens to you. But to truly benefit from the right plan that fits your needs and budget, you need to understand every aspect of the coverage. Let’s take a closer look at term life insurance dos and don’ts. (more…)

What Is Life Insurance

Life insurance is a tool that guarantees the financial stability of your loved ones in the event of your death. Life is full of ups and downs, and we never know what tomorrow holds for us. Having life insurance gives us the confidence to enjoy the pleasures of life, knowing that our beneficiaries are protected.

Life insurance can offer a wide variety of coverage that goes beyond death. You can get coverage for additional risks such as temporary or permanent disability, partial or absolute disability, or death due to illness or accident.

There are different types of life insurance. However, Term Life Insurance is one of the most popular for the flexibility of coverage and affordability it offers. The choice of coverage depends on factors, such as age, the insured amount, or the type of coverage you need. On the other hand, if you are dealing with a long-term disability, we must mention that if you become seriously ill, the death benefit is paid only in the event of death. With this in mind, there is the possibility of adding optional riders to your life insurance policy, which will give you and your loved ones more favorable coverage, should you become seriously ill and unable to work.

What Is Disability Insurance

Satisfying our needs and tastes is something we achieve with our income. However, we rarely think about protecting this significant input. That is why, we must prepare for any eventuality, and Disability Insurance is an excellent tool to achieve this.

Disability insurance is a backup plan that provides income protection to the insured if an illness or injury prevents them from working. This way, you can focus on recovery instead of worrying about paying your bills.

Disability insurance is generally a different policy than life insurance. Although, there is the possibility of adding additional disability clauses to Term Life Insurance at the time of application. However, they do not offer the same coverage and personalization as Disability Life Insurance.

Life Insurance and Long-Term Disability

Every day we are exposed to certain risks when carrying out our daily activities, and unfortunately, we can suffer an accident that leaves us sequelae for life. Disability life insurance is a guardian angel that looks after the well-being of you and your family in the event of an accident or illness that results in the inability to perform a job. This policy aims to protect you and your loved ones with a monthly benefit that works as a paycheque to meet daily expenses and cope with the financial situation due to these unforeseen events. In addition, in the event of death, it protects its beneficiaries to cover different needs. This insurance is suitable to help you protect your loved ones in the event of a long-term disability.

Will Term Life Insurance Cover Disability?

Term life insurance is one of the most popular life coverage options due to its simple application process and its straightforward and affordable policy choices. Although it provides very comprehensive and flexible protection, it is not a tool designed to cover disabilities.

However, as mentioned, it is possible to add optional riders to your policy at the time of application for extra protection if an accident or illness makes it impossible for you to work and earn an income.

Disability Waiver of Premium Rider

Thanks to this extra protection rider in your life insurance, the insured is exempt from paying premiums in case of total or permanent disability. The Disability Waiver of Premium Rider comes into force when the disability is due to accidents or illnesses, although you must meet the following requirements.

In order to make the benefit valid, the insured must be disabled for at least 4 to 6 consecutive months. It is worth mentioning that during the initial waiting period, the premiums can be waived retroactively, and the rider is valid until a certain age, usually up to 60 or 65 years.

Disability Income Rider

A Disability Income Rider is a valuable add-on when purchasing life insurance. It works as a monthly payment the insured person receives if an accident or illness prevents him from working. When acquiring the clause, the insured must establish the time period he will receive the benefits of the monthly payments. On the other hand, this rider has a 30- or 90-day waiting period, with retrospective payments that begin after the waiting period ends.

Mortgage or Credit Disability Insurance Rider

A mortgage disability rider provides monetary support that covers the monthly mortgage payments or all or part of the insured’s line of credit if the insured suffers a temporary or permanent disability. On the other hand, the period in which the insured person will receive the compensation must be established when this benefit is acquired. For example, the payments can be for 2, 5, or 10 years from disability or up to age 65. Finally, the credit riders generally have a waiting period of 90 days, but in the event of accidental disability, the period can be reduced to 31 days.

Whether it is Disability or Term Life Insurance Coverage, You Need Financial Security

It is impossible to know what the future holds. However, we can prepare for any eventuality with life insurance and disability insurance. Both plans offer comprehensive protection for different needs and situations. We specialize in term life insurance coverage and offer a variety of plans for Americans.

Each plan provides up to $750,000 in coverage without the need to visit a doctor to qualify for a policy. All of our coverage options also offer guaranteed premiums and renewable terms, so you always have protection when you need it. 

We’ve helped thousands of Americans find the coverage they need. To get your free no-obligation quote and see a list of options that can work for your needs, please complete our short online application now to get started.


Written by: Enrique Rosales

Crohn's disease results from an inappropriate immune system response. This autoimmune disease is increasingly common in adults over the age of 40. In 2015, a study estimated that 1.3% of US adults (3 million) reported being diagnosed with IBD (either Crohn’s disease or ulcerative colitis). The causes of Crohn’s disease remain unknown and may result from an autoimmune reaction, in which the body’s immune system mistakenly attacks healthy cells. Some scientists suspect our lifestyle could potentially influence its appearance with elements such as diet, stress, inappropriate drug treatments, and smoking habits. Early signs of Crohn's disease may appear suddenly, but they can also develop gradually and can worsen over time.


When shopping for term life insurance coverage, you may have come across the term “renewable term life insurance.” What exactly does it mean when term life insurance is renewable? How does this form of term life insurance work? Let’s take a closer look at this form coverage and how it can work for you.

What is a renewable term?

Renewable terms are typically clauses found within term life insurance policies. Renewable term life insurance is temporary coverage that allows you to renew your coverage term for continued financial security. You can continue your term plan so long as you are up-to-date on premium payments and you do so within the specified time period.

How renewable term life insurance works

Renewable terms within life insurance policies are ideal to ensure you have continued affordable life insurance coverage. With all the uncertainties that life can bring, knowing you have the option to continue your coverage can be reassuring for the insured and their beneficiaries. 

When your initial term life insurance period ends, typically after 10, 20, or 30 years, you have the option to continue your coverage for another term period. This renewal usually happens without the need for a medical exam. This unique benefit makes it easy for people with medical issues to secure coverage without reapplying for a plan. However, this ease of continued coverage will likely come with higher premiums to compensate for your older age. Also, you will have a cut-off age where you can no longer renew your coverage. This cut-off age can vary depending on the insurer. 

You can learn more information about our term 10 life insurance, term 20 life insurance, and term 30 life insurance plans here on our site. Each plan has renewable terms allowing you to continue your coverage when you need it most.

Why you would renew your coverage

There could be several reasons why you’d continue your term coverage for another temporary period. Some common examples include:

If you still have temporary needs and obligations, renewable term life insurance can be helpful. This plan can provide you with the quickest and most efficient way of continuing your term coverage for another 10+ years. 

Key information

Annual renewable terms

Annual renewable term life insurance is a form of temporary coverage that stays in place for a year. At the end of each year, the policy renews, and premiums are reassessed and updated. 

This form of coverage is one of the most affordable on the market for the few initial years you have the plan. But because it is renewed every year, your premiums are likely to increase each time you renew. This facet of the coverage means it can get expensive over time. It is best to use this form of term life insurance for short-term needs.

Renewable term life insurance vs convertible term life insurance

Alongside renewable term life insurance is convertible term life insurance. These are often confused with each other, but they are very different. 

As mentioned above, renewable coverage focuses on extending your current temporary life insurance for another coverage period. So your coverage continues, but only for another predetermined period of time. 

Convertible term life insurance, on the other hand, allows you to convert your term life insurance into a permanent policy. Like renewing your term, converting to a permanent life insurance plan doesn’t require you to undergo a medical exam, making this an easy way to qualify for lifelong coverage.

Why you would convert your term coverage to a permanent plan

After having a term life insurance plan for 10, 20, or 30-years, you may find yourself thinking about converting to a permanent plan. Once the term ends, you can easily convert to lifelong coverage, and here are some reasons why a permanent option may suit you.

Before converting to a permanent plan, ask yourself why are you converting? You should always have a goal in mind before you convert from a temporary policy. Also, ask yourself, what can you afford? Don’t convert simply because you have the option. Permanent options are more expensive but are balanced out with reliable coverage for life. These two questions will help you understand if converting your term policy is right for you. 

Fast and easy term life insurance quotes

We help Americans find reliable and affordable term life insurance solutions. Our coverage options can easily fit into any budget and work for your unique financial needs. Each plan provides up to $750,000 in benefit amounts with fixed premiums and no doctor visits required to apply. 

For your personalized, free no-obligation quote and a list of recommended plan options, complete our short free quote form now!


Written by: Adam Bianco

Increasing term life insurance is a unique temporary coverage option that provides a benefit that grows over time. If you have plans to grow your family in the future or move to a bigger home, and you want more accessible and affordable coverage, an increasing term life insurance policy is an excellent option for you. (more…)

If you are looking for financial security for your family members, the chances are you’ve come across term life insurance coverage. After doing some research, it can be confusing to settle on a policy or where to start. With so many terms and definitions for various plans, we often hear people asking various questions about term insurance coverage. But the one we get most often is “which of the following best describes term life insurance?”  (more…)

Life insurance comes in various shapes and forms, from temporary term life insurance coverage to more permanent whole life plans. Americans can buy  insurance from companies, like us, and get group life insurance from their employer.

This then raises the question, "Why should I buy life insurance if I can just get a group plan from work?" While you can certainly use your company plan, in the long run, you could be severely limiting your options and leave yourself without adequate coverage.

This week, we're looking at employee group life insurance and why it may seem like a quick and easy coverage option, but in reality, it won't be enough. (more…)

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