If a policy with the accidental death rider becomes paid up, what happens to the rider?

When a policy with an accidental death rider becomes paid up, the rider typically ceases to be effective. A paid-up policy means that no further premiums are required, and the policyholder no longer has coverage for future risks or incidents that occur after the policy is paid up. Since the accidental death rider is linked to ongoing premium payments, once the policy reaches a status where premiums are no longer collected, the rider also terminates. Riders, like the accidental death benefit, are contingent upon the underlying policy being active and in force, which is why, upon reaching a paid-up status, the rider ceases to exist.