What does the Guaranteed Insurability Rider allow an insured to do?

The Guaranteed Insurability Rider allows an insured to buy additional coverage without providing evidence of insurability, which means the insured does not need to undergo health examinations or answer health-related questions to qualify for the additional coverage. This feature is particularly beneficial for individuals who may experience changes in their health status over time, which could make it difficult for them to obtain new insurance or additional coverage later on. By having this rider, insured individuals have the peace of mind to secure additional coverage when they need it, typically at specified intervals or life events, ensuring that their insurance needs can be met without facing potential rate increases or denial based on health issues.