Life Insurance Riders: Coverage Amounts and Design

What happens to unused care rider benefits?

June 11, 2026August 27, 2024 by easygrouse76

The bottom line What happens to unused care rider benefits depends on the contract: they may leave the death benefit unchanged, expire without a separate payout, or retain value through a stated nonforfeiture feature. A life insurance rider is different from standalone long-term-care coverage, so read the benefit schedule before assuming unused benefits are refundable. … Read more

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