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190</div><div class="clearfix"></div></div></div></div></header><div id="site-inner"><div id="row-1476739662" role="region" aria-label="Breadcrumbs" class="row gutter-none animate-asc" ><div class="container border-color-gray border-bottom padding-bottom-0-5 d-margin-top-2"><div id="row-1476739662-left" class="column full-width"><div id="brightfire_yoast_breadcrumbs_widget-3" class="full-width offset-none link-color-primary widget brightfire-yoast-breadcumbs-widget"><div class="breadcrumb"><span><span><a href="https://www.hobaninsurance.com/">Home</a></span> > <span><a href="https://www.hobaninsurance.com/blog/">Insurance Blog</a></span> > <span class="breadcrumb_last" aria-current="page">Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs</span></span></div></div></div></div></div><div id="row-1493644754" role="region" aria-label="Content Title" class="row padding-top-2 gutter-none m-force-no-padding animate-asc" ><div class="container"><div id="row-1493644754-left" class="column full-width"><div id="bf_cpc-5" class="full-width offset-none heading-weight-regular heading-size-xxlarge m-padding-left-1 m-padding-right-1 widget widget_bf_cpc"><div class='post-0 post type-post status-publish format-standard hentry bf-cpc-title'><h1 class="page-title">Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs</h1></div></div></div></div></div><div id="content-sidebar" role="region" aria-label="Posts & Pages Content" class="row gutter-2 d-padding-bottom-4 m-force-no-padding m-padding-bottom-2 animate-asc" ><div class="container"><main id="content-sidebar-left" class="column two-thirds content "><div id="bf_cpc-13" class="full-width offset-none m-margin-bottom-2 m-padding-left-1 m-padding-right-1 widget widget_bf_cpc"><div class='post-0 post type-post status-publish format-standard hentry bf-cpc-info-content-meta'><span class="entry-meta">Posted by <span class="entry-author" itemprop="author" itemscope="" itemtype="http://schema.org/Person"><span class="entry-author-name" itemprop="name">J.W. Hoban & Associates</span></span> on <time class="entry-time" itemprop="datePublished" datetime="October 7, 2026">October 7, 2026</time> </span><style>img#bf_image-6ac6cd132904b { 191 width: 1600px; 192}@media screen and (max-width: 768px) { 193 img#bf_image-6ac6cd132904b { 194 width: 100vw; 195 } 196}</style><img decoding=async data-opt-id=141283450 data-opt-src="https://mlxwx3bywoz1.i.optimole.com/w:1600/h:900/q:auto/f:best/https://www.hobaninsurance.com/wp-content/uploads/sites/2939/2026/10/October-7-blog.jpg" id="bf_image-6ac6cd132904b" title="October 7 blog" class="alignnone" src="data:image/svg+xml,%3Csvg%20viewBox%3D%220%200%201600%20900%22%20width%3D%221600%22%20height%3D%22900%22%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%3E%3Crect%20width%3D%221600%22%20height%3D%22900%22%20fill%3D%22transparent%22%2F%3E%3C%2Fsvg%3E" width="1600" height="900" /><noscript><img decoding=async data-opt-id=141283450 id="bf_image-6ac6cd132904b" title="October 7 blog" class="alignnone" src="https://mlxwx3bywoz1.i.optimole.com/w:1600/h:900/q:auto/f:best/https://www.hobaninsurance.com/wp-content/uploads/sites/2939/2026/10/October-7-blog.jpg" width="1600" height="900" /></noscript><p class="p1">Life insurance policies aren’t always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal circumstances. Understanding how riders work can help you have a more informed conversation with a licensed agent about your own policy.</p> 197<h2 class="p2">What Is a Life Insurance Rider?</h2> 198<p class="p1">A rider is an optional provision added to a life insurance policy, usually for an additional cost, that expands or adjusts the coverage beyond the base policy. Riders are not automatically included on every policy, and availability can vary by insurer and by the type of policy you choose.</p> 199<h2 class="p2">Common Types of Riders</h2> 200<p class="p1">While every insurer offers a different lineup, several riders show up frequently across the industry:</p> 201<ul class="ul1"> 202<li class="li3"><b>Waiver of premium rider</b>: This may waive future premium payments if the policyholder becomes totally disabled and unable to work, depending on the policy’s definition of disability.</li> 203<li class="li3"><b>
203Accelerated death benefit rider</b>: This can allow a policyholder to access a portion of the death benefit early if diagnosed with a qualifying terminal or chronic illness.</li> 204<li class="li3"><b>Accidental death benefit rider</b>: This may provide an additional payout if death occurs as a result of a covered accident.</li> 205<li class="li3"><b>Child term rider</b>: This can add a limited amount of term coverage for a policyholder’s children under the same policy.</li> 206<li class="li3"><b>Guaranteed insurability rider</b>: This may allow a policyholder to purchase additional coverage at set future intervals without additional medical underwriting.</li> 207<li class="li3"><b>Long-term care rider</b>: This can allow a policyholder to access a portion of the death benefit to help pay for qualifying long-term care expenses, depending on the policy’s terms.</li> 208</ul> 209<p class="p1">Each of these riders comes with its own conditions, limitations, and costs, so it’s worth reading the specific terms rather than assuming all riders with the same name work identically across insurers.</p> 210<h2 class="p2">Why Riders Can Add Flexibility</h2> 211<p class="p1">Life circumstances change, and a policy that fit well at the time it was purchased may not address every need years later. Riders offer a way to adjust coverage without necessarily starting over with a new policy. For example, a growing family might consider a child term rider, while someone concerned about a serious illness might look into an accelerated death benefit rider.</p> 212<p class="p1">Purchasing a rider at the time you buy a policy can sometimes be simpler and more cost-effective than trying to add one later, since some riders may require the policyholder to still be within certain age or health guidelines. This is one reason it can help to think through your longer-term needs, not just your current situation, when you first apply for coverage.</p> 213<h2 class="p2">How Riders Affect Your Premium</h2> 214<p class="p1">Adding a rider typically increases your premium to some degree, since you’re expanding what the policy may pay out or under what circumstances. The added cost varies depen
214ding on the type of rider, the amount of coverage involved, and factors like your age and health at the time the rider is added. It’s worth asking for a clear breakdown of how much each rider adds to your total premium so you can weigh the cost against the value it may provide.</p> 215<h2 class="p2">Questions to Ask Before Adding a Rider</h2> 216<p class="p1">Before adding a rider to a policy, it can help to think through a few questions:</p> 217<ul class="ul1"> 218<li class="li3">Does this rider address a specific need or gap in my current coverage?</li> 219<li class="li3">How much does it add to my premium, and is that cost sustainable long term?</li> 220<li class="li3">What conditions or limitations apply before a rider can be used?</li> 221<li class="li3">Is this rider available on my current policy type, or would it require a different policy?</li> 222</ul> 223<p class="p1">A licensed life insurance agent can walk through these considerations based on your specific policy and goals.</p> 224<h2 class="p2">Review Your Policy for Fit</h2> 225<p class="p1">Riders are one of the ways life insurance can be tailored over time. If your circumstances have changed since you purchased your policy, whether through a new child, a health change, or a shift in financial goals, it may be worth revisiting whether additional riders make sense.</p> 226<p class="p1">J.W. Hoban & Associates can help you understand what riders are available on your policy and whether they align with your needs. Contact us at <a href='tel:15708230711'>(570) 823-0711</a> or request a quote online.</p> 227<span class="entry-footer"><span class="entry-meta"><span class="entry-categories">Filed Under: <a href="https://www.hobaninsurance.com/category/life-insurance" rel="category tag">Life Insurance</a></span><span class="divider"> | </span><span class="entry-categories">Tagged With: <a href="https://www.hobaninsurance.com/tag/term-life-insurance" rel="category tag">Term Life Insurance</a>, <a href="https://www.hobaninsurance.com/tag/whole-life-insurance" rel="category tag">Whole Life Insurance</a></span></span></span></div></div></main><aside id="content-sidebar-right" class="column one-third sidebar "><div id="brightfire_form_widget-7" class="hide_labels full-width offset-none d-margin-bottom-2 btn-tertiary d-btn-block background-gray padding-1 btn-uppercase btn-weight-bold m-btn-block m-margin-bottom-2 widget brightfire-form-widget"><h2 class="padding-bottom-1 text-weight-regular text-size-xlarge text-align-center widgettitle">Insurance Quotes</h2> 228 <div class='gf_browser_chrome gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_95' ><div id='gf_95' class='gform_anchor' tabindex='-1'></div><form method='post' enctype='multipart/form-data' target='gform_ajax_frame_95' id='gform_95' name='Secure Quote Request' action='/article/life-insurance-riders-101-customizing-your-policy-to-fit-your-needs/#gf_95' data-formid='95' novalidate> 229 <div class='gform-body gform_body'><ul id='gform_fields_95' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id="field_95_5" class="gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_95_5'>Comments</label><div class='ginput_container'><input name='input_5' id='input_95_5' type='text' value='' autocomplete='new-password'/></div><div class='gfield_description' id='gfield_description_95_5'>This field is for validation purposes and should be left unchanged.</div></li><li id="field_95_1" class="gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_95_1'>Name<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_95_1' type='text' value='' class='medium' placeholder='Name' aria-required="true" aria-invalid="false" /></div></li><li id="field_95_2" class="gfield gfield--type-email gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_95_2'>Email<span class="gfield_required"><span class="gfield_required gfield_required_asterisk">*</span></span></label><div class='ginput_container ginput_container_email'> 230 <input name='input_2' id='input_95_2' type='email' value='' class='medium' placeholder='Email' aria-required="true" aria-invalid="false" /> 231 </div></li><li id="field_95_3" class="gfield gfield--type-phone field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible" ><label class='gfield_label gform-field-label' for='input_95_3'>Phone (Optional)</label><div class='ginput_container ginput_container_phone'><input name='input_3' id='input_95_3' type='tel' value='' class='medium' placeholder='Phone (Optional)' aria-invalid="false" /></div></li>
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253 254</div><div id="brightfire_reviews_slider-3" class="full-width offset-none border-color-gray border-shade1 d-border d-padding-1 m-border-top m-padding-top-2 m-padding-left-1 m-padding-right-1 widget brightfire-reviews-slider-widget"><h2 class="padding-bottom-1 text-weight-regular text-size-xlarge text-align-center widgettitle">Customer Reviews</h2><div class="brightfire-reviews-widget-wrap"><div class="brightfire-reviews review-slider show-avatar" style="display:none;" aria-label="carousel" role="contentinfo"><div class="review-entry"><div class='review-image '><span class="google review-source-icon"><span class="fa-stack"><i class="fas fa-circle fa-stack-2x google source-bkgrd" role="presentation"></i><i class="fab fa-google fa-stack-1x source-icon" role="presentation"></i></span></span><img class="review-author-image" data-lazy="https://mlxwx3bywoz1.i.optimole.com/w:150/h:150/q:auto/rt:fill/g:ce/f:best/https://www.hobaninsurance.com/wp-content/uploads/sites/2124/2024/07/unnamed-15.png" alt="Emily McDonald" /></div><div class="review-info"><div class="aggregate-rating-stars rating-gold" aria-label="Rated 5 stars"><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span></div><span class="review-pullquote">What I really like most about J W Hoban & Associates is that they will sit down...</span><span class="review-author"><span class="reviewer-author-name">Emily M.</span>, Wilkes-Barre, Pennsylvania</span></div><div class="clear"></div></div><div class="review-entry"><div class='review-image '><span class="google review-source-icon"><span class="fa-stack"><i class="fas fa-circle fa-stack-2x google source-bkgrd" role="presentation"></i><i class="fab fa-google fa-stack-1x source-icon" role="presentation"></i></span></span><img class="review-author-image" data-lazy="https://mlxwx3bywoz1.i.optimole.com/w:150/h:150/q:auto/rt:fill/g:ce/f:best/https://www.hobaninsurance.com/wp-content/uploads/sites/2124/2024/07/unnamed-14.png" alt="Karen Hopkins" /></div><div class="review-info"><div class="aggregate-rating-stars rating-gold" aria-label="Rated 5 stars"><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span></div><span class="review-pullquote">We've been using J W Hoban & Associates for a couple years now for home and...</span><span class="review-author"><span class="reviewer-author-name">Karen H.</span>, Wilkes-Barre, Pennsylvania</span></div><div class="clear"></div></div><div class="review-entry"><div class='review-image '><span class="google review-source-icon"><span class="fa-stack"><i class="fas fa-circle fa-stack-2x google source-bkgrd" role="presentation"></i><i class="fab fa-google fa-stack-1x source-icon" role="presentation"></i></span></span><img class="review-author-image" data-lazy="https://mlxwx3bywoz1.i.optimole.com/w:150/h:150/q:auto/rt:fill/g:ce/f:best/https://www.hobaninsurance.com/wp-content/uploads/sites/2124/2024/07/unnamed-13.png" alt="Nikki Abel" /></div><div class="review-info"><div class="aggregate-rating-stars rating-gold" aria-label="Rated 5 stars"><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span></div><span class="review-pullquote">Jerry was super helpful and explained everything in terms I could...</span><span class="review-author"><span class="reviewer-author-name">Nikki A.</span>, Wilkes-Barre, Pennsylvania</span></div><div class="clear"></div></div><div class="review-entry"><div class='review-image no-image'><span class="google review-source-icon"><span class="fa-stack"><i class="fas fa-circle fa-stack-2x google source-bkgrd" role="presentation"></i><i class="fab fa-google fa-stack-1x source-icon" role="presentation"></i></span></span><div class="review-author-initials google">MW</div></div><div class="review-info"><div class="aggregate-rating-stars rating-gold" aria-label="Rated 5 stars"><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span></div><span class="review-pullquote">Very satisfied with the service and policies.</span><span class="review-author"><span class="reviewer-author-name">
254Mike W.</span>, Wilkes-Barre, Pennsylvania</span></div><div class="clear"></div></div><div class="review-entry"><div class='review-image no-image'><span class="google review-source-icon"><span class="fa-stack"><i class="fas fa-circle fa-stack-2x google source-bkgrd" role="presentation"></i><i class="fab fa-google fa-stack-1x source-icon" role="presentation"></i></span></span><div class="review-author-initials google">LS</div></div><div class="review-info"><div class="aggregate-rating-stars rating-gold" aria-label="Rated 5 stars"><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span><span class="aggregate-star fa-stack"><i class="far fa-star star-open fa-stack-1x" role="presentation"></i><i class="fas fa-star star-fill fa-stack-1x" role="presentation" style="width: 100%;"></i></span></div><span class="review-pullquote">Great customer service!! The staff is very knowledgeable and responds back to...</span><span class="review-author"><span class="reviewer-author-name">Loralee S.</span>, Wilkes-Barre, Pennsylvania</span></div><div class="clear"></div></div></div><a href="https://www.hobaninsurance.com/reviews/" class="review-archive-link"><span class="screen-reader-text">See All Reviews</span></a><a href="javascript: void(0);" class="review-archive-text">See All Reviews</a></div></div></aside></div></div></div><footer id="site-footer"><div id="footer" class="row force-no-padding background-dark shade2 gutter-none animate-asc" ><div class="container"><div id="footer-left" class="column one-fourth"><div id="brightfire_menu_stacked-3" class="full-width offset-none link-color-light text-size-small text-color-light m-padding-left-1 m-padding-right-1 m-text-align-center d-padding-top-3 m-padding-top-2 widget brightfire-menu-stacked"><h2 class="text-size-small widgettitle">About Us</h2><div id="bfmenu_6ac6cd132e4fd" role="navigation" aria-label="Footer About" class="bfmenu responsive text-menu- text-hover-"><ul class="bfmenu-stacked bfmenu-top-level"><li class=" "><a href="https://www.hobaninsurance.com/about-us/" class="" ><span class="menu-text">About Us</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/about-us/meet-our-staff/" class="" ><span class="menu-text">Meet Our Staff</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/reviews/" class="" ><span class="menu-text">Customer Reviews</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/about-us/our-insurance-carriers/" class="" ><span class="menu-text">Our Insurance Carriers</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/blog/" class="" ><span class="menu-text">Insurance Blog</span></a></li></ul></div></div><div id="brightfire_menu_stacked-4" class="full-width offset-none link-color-light text-size-small text-color-light m-padding-left-1 m-padding-right-1 m-text-align-center m- widget brightfire-menu-stacked"><h2 class="text-size-small widgettitle">Insurance</h2><div id="bfmenu_6ac6cd133030d" role="navigation" aria-label="Footer Insurance" class="bfmenu responsive text-menu- text-hover-"><ul class="bfmenu-stacked bfmenu-top-level"><li class=""><a href="https://www.hobaninsurance.com/auto-home-and-personal-insurance/" class="" ><span class="menu-text">Auto, Home, & Personal Insurance</span></a></li><li class=""><a href="https://www.hobaninsurance.com/business-insurance/" class="" ><span class="menu-text">Business Insurance</span></a></li><li class=""><a href="https://www.hobaninsurance.com/life-health-insurance/" class="" ><span class="menu-text">Life & Health Insurance</span></a></li></ul></div></div><div id="brightfire_menu_stacked-5" class="full-width offset-none link-color-light text-size-small text-color-light m-padding-left-1 m-padding-right-1 m-text-align-center m- widget brightfire-menu-stacked"><h2 class="text-size-small widgettitle">Policy Service</h2><div id="bfmenu_6ac6cd1331702" role="navigation" aria-label="Footer Service" class="bfmenu responsive text-menu- text-hover-"><ul class="bfmenu-stacked bfmenu-top-level"><li class=" "><a href="https://www.hobaninsurance.com/policy-service-center/" class="" ><span class="menu-text">Policy Service Center</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/policy-service-center/online-billing-payments/" class="" ><span class="menu-text">Online Billing & Payments</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/policy-service-center/file-a-claim/" class="" ><span class="menu-text">File A Claim</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/policy-service-center/policy-change-request/" class="" ><span class="menu-text">Policy Change Request</span></a></li><li class=" "><a href="https://www.hobaninsurance.com/policy-service-center/annual-insurance-checklist/" class="" ><span class="menu-text">Annual Insurance Checklist</span></a></li></ul></div></div></div><div id="footer-right" class="column three-fourths"><div id="brightfire_location_widget-10" class="one-third offset-none link-color-light text-size-small text-color-light m-padding-left-1 m-padding-right-1 m-text-align-center btn-color-brands d-padding-top-3 m-padding-bottom-2 widget brightfire-location-widget"><h2 class="text-size-small widgettitle">Contact Us</h2><div class="agency-schema"><div class="company-name">J.W. 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300<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-includes/js/dist/dom-ready.min.js?ver=f77871ff7694fffea381" id="wp-dom-ready-js"></script>
vendor: 1 bytes, line 300
300
301<script type="text/javascript" src="https://www.hobaninsurance.com/wp-includes/js/dist/hooks.min.js?ver=dd5603f07f9220ed27f1" id="wp-hooks-js"></script>
vendor: 1 bytes, line 301
301
302<script type="text/javascript" src="https://www.hobaninsurance.com/wp-includes/js/dist/i18n.min.js?ver=c26c3dc7bed366793375" id="wp-i18n-js"></script>
vendor: 1 bytes, line 302
302
303<script type="text/javascript" id="wp-i18n-js-after"> 304/* <![CDATA[ */ 305wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); 306//# sourceURL=wp-i18n-js-after 307/* ]]> */ 308</script>
vendor: 1 bytes, line 308
308
309<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-includes/js/dist/a11y.min.js?ver=cb460b4676c94bd228ed" id="wp-a11y-js"></script>
vendor: 1 bytes, line 309
309
310<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/js/jquery.json.min.js?ver=2.9.19" id="gform_json-js"></script>
vendor: 1 bytes, line 310
310
311<script type="text/javascript" id="gform_gravityforms-js-extra"> 312/* <![CDATA[ */ 313var gform_i18n = {"datepicker":{"days":{"monday":"Mo","tuesday":"Tu","wednesday":"We","thursday":"Th","friday":"Fr","saturday":"Sa","sunday":"Su"},"months":{"january":"January","february":"February","march":"March","april":"April","may":"May","june":"June","july":"July","august":"August","september":"September","october":"October","november":"November","december":"December"},"firstDay":1,"iconText":"Select date"}}; 314var gf_legacy_multi = []; 315var gform_gravityforms = {"strings":{"invalid_file_extension":"This type of file is not allowed. Must be one of the following:","delete_file":"Delete this file","in_progress":"in progress","file_exceeds_limit":"File exceeds size limit","illegal_extension":"This type of file is not allowed.","max_reached":"Maximum number of files reached","unknown_error":"There was a problem while saving the file on the server","currently_uploading":"Please wait for the uploading to complete","cancel":"Cancel","cancel_upload":"Cancel this upload","cancelled":"Cancelled"},"vars":{"images_url":"https://www.hobaninsurance.com/wp-content/plugins/gravityforms/images"}}; 316var gf_global = {"gf_currency_config":{"name":"U.S. Dollar","symbol_left":"$","symbol_right":"","symbol_padding":"","thousand_separator":",","decimal_separator":".","decimals":2,"code":"USD"},"base_url":"https://www.hobaninsurance.com/wp-content/plugins/gravityforms","number_formats":[],"spinnerUrl":"https://www.hobaninsurance.com/wp-content/plugins/gravityforms/images/spinner.svg","version_hash":"9f29a1f046241c882ce179ed2bc5abfa","strings":{"newRowAdded":"New row added.","rowRemoved":"Row removed","formSaved":"The form has been saved. The content contains the link to return and complete the form."}}; 317//# sourceURL=gform_gravityforms-js-extra 318/* ]]> */ 319</script>
vendor: 1 bytes, line 319
319
320<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/js/gravityforms.min.js?ver=2.9.19" id="gform_gravityforms-js"></script>
vendor: 1 bytes, line 320
320
321<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/js/jquery.maskedinput.min.js?ver=2.9.19" id="gform_masked_input-js"></script>
vendor: 1 bytes, line 321
321
322<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/js/placeholders.jquery.min.js?ver=2.9.19" id="gform_placeholder-js"></script>
vendor: 1 bytes, line 322
322
323<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/assets/js/dist/utils.min.js?ver=380b7a5ec0757c78876bc8a59488f2f3" id="gform_gravityforms_utils-js"></script>
vendor: 1 bytes, line 323
323
324<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/assets/js/dist/vendor-theme.min.js?ver=21e5a4db1670166692ac5745329bfc80" id="gform_gravityforms_theme_vendors-js"></script>
vendor: 1 bytes, line 324
324
325<script type="text/javascript" id="gform_gravityforms_theme-js-extra"> 326/* <![CDATA[ */ 327var gform_theme_config = {"common":{"form":{"honeypot":{"version_hash":"9f29a1f046241c882ce179ed2bc5abfa"},"ajax":{"ajaxurl":"https://www.hobaninsurance.com/wp-admin/admin-ajax.php","ajax_submission_nonce":"3f933f5922","i18n":{"step_announcement":"Step %1$s of %2$s, %3$s","unknown_error":"There was an unknown error processing your request. Please try again."}}}},"hmr_dev":"","public_path":"https://www.hobaninsurance.com/wp-content/plugins/gravityforms/assets/js/dist/","config_nonce":"b5b34d624f"}; 328//# sourceURL=gform_gravityforms_theme-js-extra 329/* ]]> */ 330</script>
vendor: 1 bytes, line 330
330
331<script type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/gravityforms/assets/js/dist/scripts-theme.min.js?ver=8fa5e6390c795318e567cd2b080e169b" id="gform_gravityforms_theme-js"></script>
vendor: 1 bytes, line 331
331
332<script defer type="text/javascript" defer="defer" src="https://www.hobaninsurance.com/wp-content/plugins/akismet/_inc/akismet-frontend.js?ver=1784566646" id="akismet-frontend-js"></script>
vendor: 1 bytes, line 332
332
333<script type="text/javascript"></script>
333<script type="text/javascript"> 334/* <![CDATA[ */ 335 gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 95) {if(typeof Placeholders != 'undefined'){ 336 Placeholders.enable(); 337 }jQuery('#input_95_3').mask('(999) 999-9999').bind('keypress', function(e){if(e.which == 13){jQuery(this).blur();} } );} } );jQuery(document).on('gform_post_conditional_logic', function(event, formId, fields, isInit){} ) } ); 338/* ]]> */ 339</script>
vendor: 1 bytes, line 339
339
340<script type="text/javascript"> 341/* <![CDATA[ */ 342 gform.initializeOnLoaded( function() {jQuery(document).trigger("gform_pre_post_render", [{ formId: "95", currentPage: "1", abort: function() { this.preventDefault(); } }]); if (event && event.defaultPrevented) { return; } const gformWrapperDiv = document.getElementById( "gform_wrapper_95" ); if ( gformWrapperDiv ) { const visibilitySpan = document.createElement( "span" ); visibilitySpan.id = "gform_visibility_test_95"; gformWrapperDiv.insertAdjacentElement( "afterend", visibilitySpan ); } const visibilityTestDiv = document.getElementById( "gform_visibility_test_95" ); let postRenderFired = false; function triggerPostRender() { if ( postRenderFired ) { return; } postRenderFired = true; gform.core.triggerPostRenderEvents( 95, 1 ); if ( visibilityTestDiv ) { visibilityTestDiv.parentNode.removeChild( visibilityTestDiv ); } } function debounce( func, wait, immediate ) { var timeout; return function() { var context = this, args = arguments; var later = function() { timeout = null; if ( !immediate ) func.apply( context, args ); }; var callNow = immediate && !timeout; clearTimeout( timeout ); timeout = setTimeout( later, wait ); if ( callNow ) func.apply( context, args ); }; } const debouncedTriggerPostRender = debounce( function() { triggerPostRender(); }, 200 ); if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) { const observer = new MutationObserver( ( mutations ) => { mutations.forEach( ( mutation ) => { if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) { debouncedTriggerPostRender(); observer.disconnect(); } }); }); observer.observe( document.body, { attributes: true, childList: false, subtree: true, attributeFilter: [ 'style', 'class' ], }); } else { triggerPostRender(); } } ); 343/* ]]> */ 344</script>
344 345</div>
345<script>(function(){function c(){var b=a.contentDocument||(a.contentWindow&&a.contentWindow.document);if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'a4711a2aae442145',t:'MTc5MTQyMDExMA=='};var a=document.createElement('script');a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script>
345</body> 346</html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.