Waiver of premium: if the insured becomes totally disabled, premiums are waived while the disability lasts, after a waiting period (often 6 months); premiums paid during the waiting period are usually refunded. Coverage typically ends at a stated age such as 60 or 65. In universal life the equivalent is waiver of monthly deduction.

Accelerated death benefit: pays part of the death benefit while the insured is alive with a qualifying condition (terminal, chronic or critical illness). In California the payment is due immediately once the insurer receives proper written proof of eligibility; the insured can choose a lump sum or periodic payments for a certain period; payment cannot be conditioned on receiving long-term care or medical services; and an irrevocable beneficiary or assignee must sign an acknowledgment first (Ins. Code §10295.1).

Spouse, children or family term rider: adds term coverage on family members. Spouse coverage typically ends around 65 and children's coverage around 18 to 25, with a right to convert.

Accidental death (double or triple indemnity): pays an extra 2 or 3 times the base face amount if death results from an accident, typically within 90 days of the accident. It does not apply to coverage bought with dividends.

Guaranteed insurability (guaranteed purchase option): lets the insured buy more coverage at set ages or events, such as marriage or the birth of a child, without proof of insurability. Typically ends around age 40.

Cost of living: increases coverage automatically in line with the Consumer Price Index. Return of premium: if death occurs within a stated period, also pays back the premiums paid; it is usually built as increasing term.