Life insurance policy riders and supplementary benefits provide the following advantages except: elect one: a. May give policyholder access to higher coverage often without providing proof of insurability (i.e. G. I. B. Paid-up additions) while allowing him to pay for a lower amount of coverage now. b. Riders can be cheaper than stand-alone policies c. Riders can provide their benefits for the same or longer duration than the base policy d. Can be used to customize coverage to meet unique needs of the policy holder Next pag