Riders, like Return of Premium rider (ROP), are very popular with insurance companies and with agents alike. These "options" inflate premiums and commissions significantly. But, usually, they just don't make good financial sense. The pitch may be compelling. But, take time to think it through before you check the riders boxes. And, definitely read the small print when your policy arrives. Remember, the 10-day free look is the law. It's your right to return the policy within ten days of receipt even if you just don't like the color of the paper it's printed on.
