What Does Rider Mean?
A rider is an extra provision that can be added to an insurance policy. Riders add more coverage in exchange for increasing the cost of the policy. Riders are a way for people to customize their insurance policies so they can pick and choose the benefits they want while not paying for the riders they don't want.
Insuranceopedia Explains Rider
Instead of simply adding more coverage, riders add an extra benefit that enhances the coverage in an insurance policy. For example, a life insurance policy might offer an accidental death rider. If the insured dies in an accident, their life insurance policy will pay out much more than the policy death benefit, often twice the listed amount. So, a $200,000 life insurance policy would pay $200,000 for the death benefit and another $200,000 for the accidental death.
An accidental death rider costs much less than doubling the size of the insurance policy, so people might choose to add it for a little extra coverage.