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Life Insurance Riders Personality Quiz

by Erie Insurance on October 13, 2025

Life Insurance shouldn’t come as one-size-fits-all because, well, everyone’s life is different. To help everyone get the proper coverage for them and their families, Erie Family Life Insurance Company (EFL) offers an array of riders to add to your policy.

What is a life insurance rider?

Options fit for your life

Think of them like upgrading your car to get more features not on the base model.

A rider is an add-on that provides additional coverages or benefits to your insurance policy. The advantages of adding a rider are numerous: they allow you to better customize your life insurance, typically cost far less than purchasing a policy just to get a specific coverage and are often adjustable over time.

So, what riders does ERIE offer to enhance their life insurance policies? Here are a few of our most popular ones:

Guaranteed Insurability Option

Lock in the right to increase your coverage

A Guaranteed Insurability Option rider[1] allows you to purchase additional insurance later, even if a health condition deems you “uninsurable” down the road. The GIO rider locks you into the risk class that you are in when you purchase it, meaning you can purchase additional coverage at that rate.

Accelerated Death Benefit

Access part of your benefit early

Most EFL policies have an inherit rider that allows you to receive part of your policy’s death benefit while you’re still living. Any advance will reduce the benefit paid to your beneficiaries. Funds can help cover health expenses, including clinical trial and treatments not covered by your health insurance. Certain restrictions and conditions may apply.

Long-term Care

Help cover long-term care expenses

ERIE offers a Long-term Care rider. Click here for more information.

Waiver of Premium Benefit

Keep your coverage, even if you can’t work due to disability

This rider waives the premiums on your term or whole life policy if you become totally disabled providing you the peace of mind that your life insurance premiums will continue to be paid.

Life Insurance Riders Personality Quiz

Understand your needs

Want to know what type of life insurance policyholder you might be? Take this quiz to find out and learn what approach to your life insurance would best serve you.

Remember, you can also always ask your Agent for more information to learn more about riders as well.

ERIE® life products and services, provided by Erie Family Life Insurance Company, based in Erie, Pa., a member of Erie Insurance Group, are not available in New York. The rider is available in conjunction with a qualifying life policy. See individual policies for specific coverage details. Certain terms and limitations may apply. Your ERIE Agent can offer you practical guidance and answer questions you may have before you purchase. Your Agent can explain the details.

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ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of the article’s publish date and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

  1. 1. 

    Guaranteed Insurability Option Rider is subject to underwriting approval; issue ages 0–40. Allows purchase of additional coverage at specified ages or qualifying events, up to $250,000 per option date and $1,000,000 total. Rider ends at age 46 or when maximum coverage is purchased. Not available on all plans. Additional cost applies. Ask your ERIE Agent for details on ages, amounts, and availability.

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