When purchasing insurance, in addition to the main contract, you can also purchase add-ons to obtain more comprehensive protection. However, if the main contract is terminated, the additional contract will also become invalid. When many main contracts are terminated, the rider can actually protect it for decades. What many people want is to have the long-term protection of an addendum. So is there a way to prevent the addendum from becoming invalid upon the termination of the main contract? Today we will introduce ways to make the add-on contract continue to be effective after the main contract is terminated!

The host may affect the purchase eligibility of the rider
Many times the purpose of our buyer's contract is actually to buy the attachment. A rider is an insurance that is attached to the main contract. Therefore, before insuring the rider, you must first insure the main contract.

The reason for this is usually because the rider provides medical protection and the premium is relatively more affordable. Therefore, some people take out the main insurance policy with the purpose of purchasing additional riders with medical coverage.

In addition to affecting the purchase qualification of the add-on, the main contract will also affect the validity period of the add-on.
The validity period of the addendum is usually the same as the validity period of the main covenant. If the main contract terminates, the rider will also expire. Therefore, when insuring the main contract, you should carefully understand the validity period of the main contract to avoid affecting the protection of the rider.

Under what circumstances will the main contract be terminated and the additional contract become invalid?
The main reasons why the termination of the main contract will cause the supplementary contract to become invalid are as follows:

The principal contract is terminated due to the death of the insured
The principal contract is terminated due to the insured's total disability (in the past, the terms would have said "total disability")
The main contract is terminated due to the expiry of the insurance period
The main contract lapses due to non-payment of insurance premiums
The main contract is terminated for other reasons
How to avoid the termination of the main contract causing the additional contract to become invalid
In order to avoid the expiration of the rider due to the termination of the main contract, in addition to paying the insurance premium regularly to prevent the policy from becoming invalid, if the main contract is terminated due to the expiration of the insurance period, but the medical protection of the rider has not been used, is there any way to make the policy a principal? If terminated separately, will the rider policy still remain valid?

The answer is: yes!

Methods to allow the rider to continue to be effective after the termination of the main contract (1) Additional insurance continuation clauses
The "Additional Continuation Endorsement Clause" is an insurance product that can be attached, allowing the addendum to continue to be valid after the termination of the main contract.

Methods for the addendum to continue to be effective after the termination of the main contract (2) The addendum itself has a continuation clause
It’s too troublesome to add another insurance product! Therefore, many insurance products now are very considerate, and directly write the continuation effect of the rider into the terms of the rider itself.

When the above words are written in the terms of the rider, it means: when the main contract of the rider terminates and the rider has not expired, as long as the fees are paid properly, the rider protection will continue to be valid!

But please note:

Article 9 [Termination of Attachment]
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If this rider has one of the following circumstances, if it has not yet expired, its effectiveness will continue until the insurance premium paid for that period expires:
1. When the main contract is terminated. However, this does not apply when the main contract is terminated due to an insured event that is not "death" or total disability and total disability insurance benefits are paid, and the total amount of insurance benefits claimed has reached the upper limit of benefits.

If the main contract is terminated due to death, total disability, having applied for and received the maximum claim amount of the policy, etc., the rider will still be terminated.

It’s just that the situation for more people will be:

The main contract only needs to be paid for 20 years and ends, while the rider can be paid until the age of 80. Therefore, there is a worry that the rider will be invalid when the main contract expires.

If it is simply to cope with the situation that the add-on will become invalid due to the expiration of the main contract, you can check whether the add-on clause you are planning to buy has these words!