Riders are additional benefits that may provide extra flexibility or coverage on top of a base insurance policy.
Fabric by Gerber Life term life insurance policies include an accelerated death benefit rider for terminal illness at no additional cost. An optional accidental death rider may also be available for an additional cost during or shortly after purchase, depending on state availability.¹
Accelerated death benefit rider
The term life insurance policy Fabric by Gerber Life offers includes an accelerated death benefit rider for terminal illness.
This means that if the insured becomes terminally ill, with 12 or fewer months to live, they may be able to access a portion of the policy benefit while still living. This rider is not optional and is built into the cost of the policy, so there is no additional fee to include it.²
Accidental death rider
An accidental death rider may be available as an optional add-on to a Fabric by Gerber Life term life insurance policy. This rider provides an additional benefit if the insured dies as the result of a qualifying accident. It is meant to supplement, not replace, term life insurance coverage. The accidental death rider can only be added at purchase or within the first 30 days after purchasing a term life insurance policy. It may not be available in all states.¹
¹ Accidental Death Benefit Rider form number ICC25 2502-2624 WSA. Rider terms vary by type of life insurance and state.
² Receipt of Accelerated Benefit payments may adversely affect the recipient’s eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. Contact a personal tax advisor for additional information. Payment of Accelerated Death Benefits, if not repaid, will reduce the Death Benefit and affect the other policy values. Accelerated Death Benefit Rider policy series ICC22 2205-2623 WSA.