January 29, 2026
Life Insurance Designed Around Your Life
Understanding Life Insurance Riders Available at KSKJ Life
February is recognized as Insure Your Love Month, a time to reflect on how we protect the people who matter most. While flowers and cards are thoughtful gestures, long-term financial protection is one of the most meaningful ways to show love.
Life insurance is often referred to as “love insurance” because it helps provide security and peace of mind for your loved ones if the unexpected occurs. Industry research consistently shows that life insurance plays a critical role in family financial planning and long-term stability.
Life Insurance Designed Around Your Life
No two families are the same. That is why life insurance policies can often be enhanced with policy riders. Riders are optional features that allow policyholders to customize coverage based on their needs, priorities, and stage of life. Rather than purchasing additional policies, riders help strengthen coverage already in place by adding flexibility and additional protection as life changes.
Understanding Life Insurance Riders Available at KSKJ Life
At KSKJ Life, the following life insurance riders may be available to help enhance your coverage and provide added peace of mind.
Waiver of Premium Rider
The Waiver of Premium rider helps protect your policy if you become totally disabled. If you qualify, premium payments may be waived while your life insurance coverage remains in force. This helps ensure protection stays in place during times when income may be impacted.
Guaranteed Insurability Rider
The Guaranteed Insurability rider allows you to increase your life insurance coverage in the future, at certain times, without providing additional evidence of insurability. This can be especially valuable as your life changes due to marriage, growing a family, or increased financial responsibilities.
Accidental Death Benefit Rider
The Accidental Death Benefit rider provides an additional benefit if death occurs as the result of a covered accident. This rider offers added financial protection for loved ones during unexpected situations.
Thoughtful Life Insurance Protection at Every Stage
Policy riders help ensure your life insurance coverage can evolve alongside your life. By choosing riders that align with your goals, you can add confidence knowing your policy is designed to support your loved ones through life’s changes. Learn more about KSKJ Life’s life insurance options HERE.
Love That Plans Ahead
Insuring your love means taking steps today to help protect tomorrow. This Insure Your Love Month, consider reviewing your life insurance coverage and learning how available riders may enhance your protection.
Because one of the most meaningful expressions of love is planning for the future.
