Supplemental Term Insurance

Supplemental term insurance is additional term life coverage added to a base permanent life insurance policy via a term rider. It temporarily boosts the total death benefit at a lower cost than purchasing a separate policy, allowing the policyholder to meet higher coverage needs during peak years (raising children, paying off a mortgage) while maintaining a permanent base. The term rider can typically be added at policy issue and may be convertible to permanent coverage without new underwriting. When the term rider expires or is dropped, the permanent base policy continues unchanged. This blended approach is a common strategy for those who need both substantial current coverage and long-term permanence.