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Part 1
Many benefits, known as riders, can be added on to life insurance policies. Some are added at no cost to the insured, and some have an additional cost. They provide additional protection to the insured. Define the following types of riders, and list the benefits of each:
Long-term-care insurance rider
Waiver-of-premium rider
Cost-of-living rider
Accelerated death benefit rider
Double indemnity rider
Guaranteed purchase option
Part 2
Briefly describe the following types of life insurance policies:
Variable life
Term life
Universal life
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