There are many life insurance riders that can affect your premium. Some provide you with a return of your premium while others waive your premiums during a time of disability. These premium riders can be a real insurance policy saver and add additional values that many consumers love.

Your life insurance death benefit proceeds have a very important responsibility: to replace the money you would have earned had you lived. It also has to provide certain guarantees to your family-the guarantee that your kids can go to college and the guarantee that your family isn’t going to be thrown out of the home they love. This is understandably an overwhelming thought and can make the purchase of a life insurance policy very intimidating. Here are 3 easy steps to help you start the process.