Rider Waite
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 Rider Waite Tarot Card Set Deck Book by Waite AE AGC2  US $26.95
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 The RIDER TAROT DECK by Rider waite wicca witch pagan US $15.95
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 Universal Tarot Cards Rider Waite Revised Pocket Size US $.99
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 Rider Waite Tarot Cards 1920 boxed With book in good condition US $97.44
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 Sacred Indian Tarot by Kiren Rai Rare Hindu Buddhist Yoga Rider Waite Deck US $49.99
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 Rider Waite Tarot Card Deck Used US $20.00
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 Rider Waite Tarot Card Very Used US $20.00
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 Original Rider Waite Tarot New Sealed 78 Color Cards Deck English Instructions US $16.45
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 TAROT CARDS The Original RIDER WAITE Tarot Card Deck US $20.42
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 THE ORIGINAL RIDER WAITE TAROT DECK 78 CARDSBOOKLET US $36.88
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 SEALED BRAND NEW ORIGINAL RIDER WAITE TAROT DECK A E WHITE HERMETIC OCCULT US $21.95
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 Tarot Card Deck Rider Waite Starter Witches Cat More U Pick Fortune Telling US $29.99
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 Rider Waite Mini Tarot by Waite AE US $11.95
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 The Complete Tarot Kit Book 2 Decks Rider Waite Crowley Thoth Wicca Pagan US $49.99
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 RIDER WAITE TAROT CARDS RADIANT 78 CARD DECK BOOKLET US $30.42
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 RIDER WAITE TAROT CARDS most popular beginner professional FREE FAST DELIVERY US $28.21
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 BRAND NEW SEALED BEGINNER RIDER WAITE QUICK EASY TAROT CARD ORACLE US $21.95
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 Rider Waite Pocket tarot deck by Waite AE US $14.99
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 RIDER WAITE TAROT DECK WITH THE POCKET GUIDE TO THE TAROT MAGICK OCCULT US $19.99
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 Oop He Tu tarot 78 cards deck Rider Waite cloneSALE US $55.00
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 Oop Asobu Anjieri No Yasashii tarot 78 cards Rider Waite deckSALE US $70.00
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 Oop JK Rider Waite Tarot 78 Cards Deck 1989 editionON SALE US $160.00
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 Radiant Rider Waite Tarot Psychic Wiccan US $15.95
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 Everyday Tarot 78 full cards deck NEW Rider Waite US $65.00
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 Original Rider Waite Tarot New Sealed 78 Cards 5 Language Titles Instructions US $16.45
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 Oop A Mei Tea Drinking Tarot cards deck Rider Waite clone US $45.00
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 Mirros tarot 78 full cards deck self published Rider Waite clone US $60.00
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 Oop Windmill tarot Rider Waite clone 78 fully cards Deck US $86.00
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 Kabbalah Tarot 78 cards Deck Keiichi Saito Kazumi Akutzu Rider Waite clone US $66.00
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 Oop Magic star tarot deck 78 cards Rider Waite clone US $65.00
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 DECK RIDER WAITE TAROT Wicca Pagan Witch Psychic Goth Punk Readings Ritual US $34.02
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 1971 VINTAGE RIDER TAROT DECK BY ARTHUR WAITE WITH INSTRUCTION BOOKLET US $34.95
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Term Life Insurance Riders
A term specific to the the life insurance market is that of a "rider". The term is thrown around quite a bit online and usually the "rider" comes with high praises (from those selling it) but we have a different view. Let's look a little closer at the "rider" and why a term life insurance shopper should probably hop off that bus!
First, what is a rider? A rider is essentially an add-on benefit or option to a core life insurance policy. It typically costs extra premium and allows some flexibility, addition, or change to the core coverage during the life of the policy. The closest analogy both in function and form is the insurance you might get on a rental car. For most people, this coverage is redundant and an additional expense due to their existing car insurance or benefits through plans such as AAA. It's insurance on top of insurance. Riders can be the same. They tend to insure your insurance essentially but at a price and in our view, it's better to put that life insurance premium dollar towards core benefit instead of the very profitable (to the carriers) add-ons that the carrier offers. It takes advantage of the fact that for many people, they do not discern the probability of risk and feel uncomfortable saying no to a risk if it's specifically broken out no matter how rare. In life, you can't insure against every possible risk...it would cost too much. Let's look at some of the usual suspects for commonly offered term life riders.
Guaranteed Insurability Rider.
This essentially allows you to add additional term life coverage to existing core amount without going through life insurance underwriting (i.e. qualifying based on health). This rider is purported to address changes in needs later in life. Due to the cost of waiting and the value of buying as much life insurance as can be afforded at an earlier age, it probably makes sense to put that premium amount into more core coverage.
Accidental Death Benefit.
This rider essentially adds an amount of insurance to be paid out in case the insured dies as a result of injury. It's akin to a roulette wheel where people are putting chips on different colors (number 5 is going to hit) as a guessing game to how death might occur. Death is obviously a traumatic occurrence (hence the need for life insurance anyway) so the cause is probably not so much the issue as the resulting financial protection of your loved ones.
Waiver of Premium rider.
This rider allows the policy to stay in force without the payment of premium if the insured becomes totally disabled (according to the differing definitions of the carriers). One of the key benefits of term life insurance is that the premium amount is so low relative to other types of life insurance such as whole. This is really a built-in protection against lapse of premium. Paying $40/month becomes less burdensome than say $300 monthly for whole life.
Accelerated Death Benefit Rider.
This rider allows the insured to receive a percentage of the total term life amount if he/she is diagnosed with a life shortening disease (again, according to the carrier's list and requirements). There's an entire market out there now called viaticle settlements which address receiving money (for the recipients usually) in this case.
These are a few of the most common riders available on the market but it's definitely not the complete list. Riders have sprung out in many different forms as they are a great source of revenue to the life carriers. We're not here to talk you out of a given rider...if one speaks to you then by all means, you are free to opt as you like but we feel it's important to give you the full picture in order to make a good decision when purchasing term life insurance.
About the Author
Dennis Jarvis is a licensed insurance agent concentrating on
term life insurance
. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.
