According toKshitij Jain, MD and CEO, Exide Life Insurance; riders provide additional life insurance cover in case of unfortunate events like death due to accident or critical illness. Attaching these riders to your life insurance policies makes financial protection more comprehensive. Very importantly, these riders come to you at a nominal cost. We recommend that as soon as you become financially independent, you should consider attaching these riders. Insurance Earlier, the people of higher age were more prone to critical illnesses like cancer and heart attack. Now, vulnerability to such illnesses among the younger generation is increasing due to sedentary lifestyles, leading to huge medical expenses. It makes sense to buy a critical illness rider at a younger age as the cost at that age would be less and the cover would be for a longer period