it's possible to have riders with final expense policies

Can You Have Riders with Final Expense?

Including riders is an excellent way to customize your insurance policy and tailor it to your needs. If you’re not sure whether it’s possible to add a rider to your final expense policy, know that it can be an excellent option and save money in the future.

Why Add a Rider?

Adding a rider to your final expense policy can provide for different circumstances and eliminate the need for additional insurance policies. Adding a rider is one of the best ways to prepare for multiple situations and be sure you’re covered.  

Child Insurance Rider

One possible addition is a child insurance rider. Thinking about adding this rider can be difficult, but considering all situations is an important part of evaluating your insurance needs. Let’s discuss what this type of rider is and who it can be useful for.

The child rider is purchased with the notion that your child’s funeral expenses will be fully covered. Child insurance riders have a death benefit that ranges from $5,000 to $25,000. When you’re grieving this loss, the last thing you need is your debt adding complications. To purchase this rider, your child has their own criteria to meet. A pre-existing condition may make this rider sound like a necessity, but in reality, a child with a pre-existing condition disqualifies you from adding a child insurance rider to your plan. Your child must also be between the ages of 15 days to 18 years old. They can be covered under this plan until they are 25 years old. Also, note that this policy only covers your children – not your grandchildren.

Wondering If You Should Purchase a Rider?

If you’re worried about end-of-life expenses, adding riders to your final expense policy is an excellent way to deal with those. Researching which riders you should add to your policy can be complicated, as well as how they work in addition to your current insurance. Our professionals at Final Expense Direct can answer all of these questions and help you select the right riders for your situation.  

Don’t hesitate to reach out and utilize the customer-specific services that we provide. We’re here to make insurance selection easy, so give us a call today and make an appointment to speak with our professionals. We look forward to hearing from you and discussing your insurance options. Thanks for reading, and thank you for considering Final Expense Direct for your life insurance needs!


Final Expense Direct’s utmost concern is the safety of our clients, their families, and our employees and agents. Our hearts, thoughts, and prayers go out to all that the Coronavirus outbreak has touched and those whose lives have been disrupted. While 98% of our workforce is working remotely, we are here if you need assistance. If you are a client, please contact Customer Support at 800-538-3610, Ext 2, with any questions in regards to your policy. You may also contact us via email at We will continue to monitor this situation and keep you updated.