What do policy riders typically do?

Policy riders typically modify the terms of the insurance policy to enhance or limit coverage tailored to the needs of the policyholder. Riders can add additional benefits or change existing ones, allowing customization of the coverage provided under the main policy. For instance, a rider could be included to cover specific conditions, enhance death benefits, or offer additional services that are not included in the base policy. This flexibility is crucial for meeting individual client needs and addressing unique situations that arise in life and health insurance contexts.

The other options mentioned do have implications in certain contexts, but they do not accurately describe the primary function of riders. While some policies may indeed contain exclusions for acts of war or specify age limits, these stipulations are typically part of the base policy itself rather than modifications made through a rider. Additionally, limiting the duration of coverage is more about the terms of the original policy rather than an optional modification facilitated by a rider.