The insurance answer for a rider is it is usually known as an endorsement. A rider is an amendment to the policy used to add or delete coverage. It may increase or decrease benefits, waive the condition of coverage or in any other way amend the original contract. It can be a special policy provision or group of provisions that may be added to a policy to expand or limit the benefits otherwise payable.

A rider is a very important part of your policy. Talk over the implications with your adviser.