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What term policy riders are worth the money?

Life Insurance
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While shopping for insurance, you might find yourself faced with policy riders that insure you for specific situations, such as a fatal airplane accident or death by chocolate. (We're kidding on that last one.)

Why buy a policy rider that kicks in extra if you should happen to die in an accident? Similarly, why buy policy riders that cover your premium payments should you become disabled? This should be covered by your disability policy. It doesn't make sense to confuse the two.

Money is money and death is death. Keep it simple and buy one policy to cover all expenses and every possible exit to your final highway rest area. In general, when life insurance policies start getting specific, the odds move quickly in favor of the insurance company. Policy riders that cover only certain costs or apply only in certain scenarios may sound good on the surface, but they are too often a bad deal for the customer.