Others, like accelerated death benefits or long-term care riders are more specialized and require careful consideration. Many policyholders find that a rider provides them with peace of mind and protection against the risk of unanticipated events, but if not carefully understood, they can be a source of confusion and frustration when it comes time to file a claim. https://www.insuracarelife.com/blog/new-york-to-launch-real-time-auto-insurance-verification-system/