What is a rider on an Aflac policy? Provide an example.

• A. An optional add-on that expands or modifies coverage; example: a rider that increases Cancer Insurance benefits for added costs.
• B. A mandatory provision included in every policy.
• C. A penalty clause for late premium payments.
• D. A separate policy not connected to the main policy.

Answer: (B)

A rider is an optional add-on that expands or modifies coverage on a policy. It attaches to the main policy and changes benefits or terms, without creating a separate policy. For example, a rider that increases Cancer Insurance benefits adds more payout potential for cancer-related costs beyond what the base policy covers. Riders typically require additional premium and let you tailor coverage to specific risks, such as cancer, accidents, or other illnesses. They are not mandatory provisions, not penalties, and not separate policies.