Critical disease passengers follow the same procedures as TPD riders. They provide you with extra protection by extending your life insurance premium when you are diagnosed with a serious disease. If you buy one, you can get a lump sum bonus if you are diagnosed with a serious disease that is protected by the package illnesses like heart failure or terminal cancer are normally covered. If you want to be completely covered, getting a life insurance policy with a serious condition rider is a smart option. Any life insurance plans, though, can become invalid if you receive a serious illness...