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Cost of Living Rider

Enables you to upgrade or increase additional insuracne each year to help offset increasing insurance due to inflation
The cost of living rider enables you to upgrade or purchase additional insurance each year to help offset increasing insurance needs due to inflation. The amount that can be purchased is based on increases in the cost of living index. Even though you may purchase a specific insurance that will pay an amount that seems generous in today’s market, it will not keep pace with the increasing cost of living expenses and eventually may become inadequate to your needs. This additional coverage is usually available at low rates and evidence of insurability need not be provided for such increases. It is highly recommended to add this rider especially if you are young, because as you near retirement or end of life, the cost of living may have altered significantly.



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