What are the most useful life insurance riders to consider?

Riders are add-ons that customize a policy, and a few are genuinely worth it. A waiver of premium rider keeps your policy in force without payments if you become disabled and can't work — valuable since disability often coincides with losing income. A term conversion rider lets you convert term coverage to permanent later without a new medical exam, useful insurance against future health problems. An accelerated death benefit rider lets you access part of the death benefit early if you're diagnosed as terminally ill, helping cover care costs. Others, like child riders or accidental death riders, are usually low value and better handled separately or skipped. Riders add cost, so only buy ones that solve a real risk for you. When comparing quotes, ask which riders are included free versus extra.