Disability And Long Term Care Riders On Life Insurance Policies

One of the advantages of permanent life insurance is that there are all sorts of riders that you can purchase along with the policy. Two that could be particularly useful are available through The Hartford: The LifeAccess rider and the Disability Access rider. The LifeAccess rider aims to take the place of a long term care insurance policy for people who have life insurance but not a separate long term care policy. The Disability Access rider provides a safety net for people who don’t have short term disability insurance coverage (the rider does not provide long term disability coverage). […]