For some policies, the ability to add a rider is restricted to a specific open enrollment period. In other instances, the ability to add a rider will depend on a qualifying life event (QLE), such as marriage, divorce, having or adopting a child, moving, or changing jobs. However, there are some policies that offer year-round enrollment or allow you to add a rider even if the QLE has a... https://www.insuracarelife.com/blog/trucordia-expands-national-footprint-with-multiple-us-acquisitions/