What happens to the premiums after a personal life insurance policy with an accidental death rider becomes paid up?

When a personal life insurance policy becomes paid up, it means that the policyholder has made sufficient premium payments to ensure that the policy remains in force for the remainder of the insured's life, without the need for further premium payments. In this context, the correct understanding is that the accidental death rider, which is an additional benefit providing coverage in the event of accidental death, typically requires separate premium payments.

Once the main policy has transitioned to a paid-up status, the rider's premiums are no longer necessary because the policy is fully funded. Therefore, the premiums associated with the accidental death rider will also cease, as there wouldn't be a basis for refunding premiums that have already been settled under the terms of the policy.

In essence, the coverage under both the main policy and the rider remains intact, but no further premiums are required. This aligns with the practice of many insurance policies, where the rider premiums are effectively concluded when the main policy is paid up. Thus, the seamless transition from an active payment status to a paid-up status for both core and additional coverages supports the option that both premiums cease as the policyholder no longer bears the financial responsibility for them.