What is the name of the rider that allows the purchase of additional insurance without evidence of insurability?

The rider that allows the purchase of additional insurance without evidence of insurability is known as the Guaranteed Insurability Rider. This rider is particularly beneficial for policyholders who may want to increase their coverage in the future as their needs change, such as due to life events like marriage or the birth of a child. By including this rider in their policy, individuals can increase their coverage at specified times (often at certain ages or life events) without having to provide additional medical information or undergo a medical examination. This ensures that even if their health status changes, they can still secure additional insurance coverage, which enhances the flexibility and overall value of their life insurance policy.