Note that there is a increased cost impact to your base Life Insurance policy when adding additional riders/options such as these.
Accidental Death Benefit - if death is the result of an accident, the insurance policy could pay an addiditonal death benefit to the policy holder. This rider may also pay out certain amounts while the policy holder is alive if they suffer a qualifying injury casued by accident.
Waiver of Premium - this optional rider may waive insurnace premiums if the policyholder becomes critically ill or physically impaired. This rider may have age and health requirements.
Return of Premium - if you outlive the polcy term, this rider may pay some of your policy premiums spent on the policy.
Child Rider - this is an add-on that pays out a death benefit if one (or more than one) of your children pass away. This serves as a safety net for you so you can focus on family instead of worrying about funeral expenses.