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Fort, Mumbai - 400001 Mon–Fri, 10:00 AM – 6:00 PM +91 98205 73233Optional add-ons that widen a base policy for accidents, illness or premium waiver.
Explore all 7 LIC riders with premium estimates, benefits, eligibility, policy terms and side-by-side comparisons — explained by a licensed advisor serving Mumbai, Navi Mumbai and Thane.
Plan UIN 512A234Extra payout and income after an accident
Plan UIN 512B203Doubles the payout on accidental death
Plan UIN 512B209Top up the death benefit cheaply
Plan UIN 512B210Updated top-up cover
Plan UIN 512B204Keeps a child's policy alive
Plan UIN 512A212Lump sum on diagnosis
Plan UIN 512A211Accident cover for ULIP policies
| Plan | Entry age | Policy term | Key benefit | Ideal for | Tools |
|---|---|---|---|---|---|
| Accidental Death and Disability Benefit Rider | 18 to 70 years | Same as base plan | Additional benefit on accidental death | Anyone who commutes daily or works in the field. | Calculate · Compare |
| Accident Benefit Rider | 18 to 70 years | Same as base plan | Accidental death benefit equal to the rider sum assured | Buyers who want accident cover without disability provisions. | Calculate · Compare |
| Term Assurance Rider | 18 to 60 years | Same as base plan | Increases the total death benefit at term rates | Savings-plan holders whose cover is lower than their income replacement need. | Calculate · Compare |
| New Term Assurance Rider | 18 to 60 years | Same as base plan | Revised, competitive rider rates | Anyone reviewing an older policy whose cover no longer matches expenses. | Calculate · Compare |
| Premium Waiver Benefit Rider | 18 to 55 years (proposer) | Until the child turns 25 | Future premiums waived on the proposer's death | Parents who own a policy on a child's life. | Calculate · Compare |
| New Critical Illness Benefit Rider | 18 to 65 years | Same as base plan | Lump sum paid on diagnosis, independent of hospital bills | Sole earners and those with a family medical history. | Calculate · Compare |
| Linked Accidental Death Benefit Rider | 18 to 65 years | Same as base ULIP | Attaches to unit linked plans | ULIP holders who want accident protection inside the same policy. | Calculate · Compare |
Send your age, budget and goal. You will get an honest recommendation — including when the answer is that none of these suit you.
5th Floor, Jeevan Prakash Building, Sir P.M. Road, Fort, Mumbai - 400001, Maharashtra · Mon–Fri, 10:00 AM – 6:00 PM · IRDAI Agent Licence No. LIC03699923
