---
title: "What Is Cost of Living Rider? Definition | Epic Life Glossary"
description: "A cost of living rider is an add-on that increases a life insurance policy's death benefit on a set schedule, often tied to inflation or a fixed..."
url: https://epicline.preview.multisites.ai/glossary/cost-of-living-rider
publisher: Epic Life Group
apply: https://epicline.preview.multisites.ai/apply
quote: https://epicline.preview.multisites.ai/get-a-quote
---

Riders

# Cost of Living Rider

A cost of living rider is an add-on that increases a life insurance policy's death benefit on a set schedule, often tied to inflation or a fixed percentage, so coverage keeps pace with rising costs.

## Why it matters

Inflation reduces what a death benefit can buy over time. This rider lets the benefit grow, usually without a new medical exam, and the premium rises as coverage increases. The increases may be tied to a consumer price index or to a fixed percentage, and they often stop after a set number of years. Availability and terms vary by carrier and state. Compare it with buying a larger policy up front.

Source: [naic.org](https://content.naic.org/consumer/life-insurance.htm)

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