One of my friends asked me the question above. For other insurance companies, I don't know the answer. For AIA Berhad, I am very sure that riders are not compulsory. In other words, we don't have to buy them if we just want to buy life insurance. However, like what I have explained in my previous post titled WHAT IS A RIDER? (February 9, 2009), riders are very important to make our coverage wider and more comprehensive.
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