Riders and add-ons aren't the same: Here's what sets them apart

Riders and add-ons are different types of insurance enhancements for different kinds of policies.

Riders are attached to base insurance policies to customize coverage.

Add-ons are additional covers that can be purchased separately or as part of a policy.

Understanding the difference can help avoid paying for unnecessary benefits.

The distinction helps policyholders choose enhancements that match their actual needs.