Supplementary Benefit Riders A rider is an addition to the original policy that either expands or limits the benefits payable under the contract. Generally riders are used to provide some extra benefit to the insured. The riders available with the Income Growth Plan are; 1. Waiver of Premium (WP) 2. Permanent And Total Disability (PTD) 3. Recovery Benefit Rider (RBR) 4. Accidental Death Benefit (ADB) 5. Accidental Indemnity Benefit (AIB) 6. Level Term Rider (LTR) 7. Income Benefit Rider (IBR) 8. Family Protection Rider (FPR) 9. Income Shied 10. Shifa Care Please click on each rider for details.