Term Plan_ Permanent disability Rider
I wish to buy term plan but I need rider "Permanent disability" where the company pays either lump sump and mthly amount on Permanent disability. I have 2 question and request your guidance
1) Which companies offers "Permanent disability" rider and not "Permanent disability death" benefit with SI paid either one time or mthly with widest coverage.
2) In term plan under "Permanent disability rider" do any company provides "Double Benefit" than in policy if the insurer is travelling via public transport and meets with accident. I am told some companies provide not sure if this is true