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A toddler rider and baby time period rider primarily confer with the identical factor – they’re further provisions that may be added to a mum or dad’s life insurance coverage coverage to cowl their kids for a specified interval. These riders provide non permanent protection and are usually extra inexpensive, however don’t accumulate money worth. In distinction, a standalone baby life insurance coverage coverage is a separate, everlasting coverage solely for a kid, providing lifelong protection and sometimes together with a money worth part.
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