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166	width: 1600px;
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171}</style><img decoding=async data-opt-id=1583763834  data-opt-src="https://mlxwx3bywoz1.i.optimole.com/w:1600/h:900/q:auto/f:best/https://www.uigmd.com/wp-content/uploads/sites/2939/2026/10/October-7-blog.jpg"  id="bf_image-6ac86c0996ba2" 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" /><p class="p1">Life insurance policies aren&#8217;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>
172<h2 class="p2">What Is a Life Insurance Rider?</h2>
173<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>
174<h2 class="p2">Common Types of Riders</h2>
175<p class="p1">While every insurer offers a different lineup, several riders show up frequently across the industry:</p>
176<ul class="ul1">
177<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&#8217;s definition of disability.</li>
178<li class="li3"><b>
178Accelerated 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>
179<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>
180<li class="li3"><b>Child term rider</b>: This can add a limited amount of term coverage for a policyholder&#8217;s children under the same policy.</li>
181<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>
182<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&#8217;s terms.</li>
183</ul>
184<p class="p1">Each of these riders comes with its own conditions, limitations, and costs, so it&#8217;s worth reading the specific terms rather than assuming all riders with the same name work identically across insurers.</p>
185<h2 class="p2">Why Riders Can Add Flexibility</h2>
186<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>
187<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>
188<h2 class="p2">How Riders Affect Your Premium</h2>
189<p class="p1">Adding a rider typically increases your premium to some degree, since you&#8217;re expanding what the policy may pay out or under what circumstances. The added cost varies depen
189ding 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&#8217;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>
190<h2 class="p2">Questions to Ask Before Adding a Rider</h2>
191<p class="p1">Before adding a rider to a policy, it can help to think through a few questions:</p>
192<ul class="ul1">
193<li class="li3">Does this rider address a specific need or gap in my current coverage?</li>
194<li class="li3">How much does it add to my premium, and is that cost sustainable long term?</li>
195<li class="li3">What conditions or limitations apply before a rider can be used?</li>
196<li class="li3">Is this rider available on my current policy type, or would it require a different policy?</li>
197</ul>
198<p class="p1">A licensed life insurance agent can walk through these considerations based on your specific policy and goals.</p>
199<h2 class="p2">Review Your Policy for Fit</h2>
200<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>
201<p class="p1">Universal Insurance Group can help you understand what riders are available on your policy and whether they align with your needs. Contact us at <a href='tel:13013604560'>(301) 360-4560</a> or request a quote online.</p>
202<span class="entry-footer"><span class="entry-meta"><span class="entry-categories">Filed Under: <a href="https://www.uigmd.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.uigmd.com/tag/term-life-insurance" rel="category tag">Term Life Insurance</a>, <a href="https://www.uigmd.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-5" class="hide_labels full-width offset-none  d-margin-bottom-2 m- d- btn-tertiary d-btn-block m-padding-bottom-2 m-padding-top-2 m-padding-left-1 m-padding-right-1 btn-uppercase btn-weight-bold btn-font-accent btn-text-size-medium m-btn-block m-margin-bottom-2 background-gray padding-1 widget brightfire-form-widget"><h2 class=" text-size-large padding-bottom-0-5 text-align-center widgettitle">Start Saving Today</h2>
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229</div><div id="brightfire_reviews_slider-3" class="full-width offset-none  d- m- border-color-gray border-shade1 d-border d-padding-1 m-border-top m-padding-top-1 m-padding-left-1 m-padding-right-1 widget brightfire-reviews-slider-widget"><h2 class="text-size-large padding-bottom-0-5 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.uigmd.com/wp-content/uploads/sites/3739/2021/04/Ismael-Gonzalez.jpeg" alt="Ismael Gonzalez" /></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">Excelente agencia de seguros,...</span><span class="review-author"><span class="reviewer-author-name">Ismael G.</span>, Silver Spring, MD</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.uigmd.com/wp-content/uploads/sites/3739/2021/04/Un-excelente-trabajo.png" alt="Super Discomovil" /></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">Un excelente trabajo.</span><span class="review-author"><span class="reviewer-author-name">Super D.</span>, Silver Spring, MD</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.uigmd.com/w
229p-content/uploads/sites/3739/2021/04/Jonathan-Guevara.jpeg" alt="Jonathan Guevara" /></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">Would definitely recommend.</span><span class="review-author"><span class="reviewer-author-name">Jonathan G.</span>, Silver Spring, MD</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:60/h:60/q:auto/rt:fill/g:ce/f:best/https://www.uigmd.com/wp-content/uploads/sites/3739/2020/08/Gerson-Morales.png" alt="Gerson Morales" /></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">... has been the best decision I have ever made!</span><span class="review-author"><span class="reviewer-author-name">Gerson M.</span>, Silver Spring, MD</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:60/h:60/q:auto/rt:fill/g:ce/f:best/https://www.uigmd.com/wp-content/uploads/sites/3739/2020/08/V-G.png" alt="V G" /></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">...I would definitely get any type of insurance from his company.</span><span class="review-author"><span class="reviewer-author-name">V G.</span>, Silver Spring, MD</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.uigmd.com/w
229p-content/uploads/sites/3739/2020/07/photo-2.jpg" alt="Justin Miller" /></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 experienced staff. Love their extended hours. They are very accessible.</span><span class="review-author"><span class="reviewer-author-name">Justin M.</span>, Silver Spring, MD</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">CF</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">I am forever grateful! 1000% recommend!</span><span class="review-author"><span class="reviewer-author-name">Christine F.</span>, Silver Spring, MD</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.uigmd.com/wp-content/uploads/sites/3739/2020/07/photo-3.jpg" alt="Kritishma Shrestha" /></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">Truly a pleasure doing business with you! Thank you for your services.</span><span class="review-author"><span class="reviewer-author-name">Kritishma S.</span>, Silver Spring, MD</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.uigmd.com/w
229p-content/uploads/sites/3739/2020/07/photo-1.jpg" alt="Carla Febus" /></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">5-stars!</span><span class="review-author"><span class="reviewer-author-name">Carla F.</span>, Silver Spring, MD</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.uigmd.com/wp-content/uploads/sites/3739/2020/06/photo.png" alt="Justin Kind" /></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 and I feel I am in caring hands!</span><span class="review-author"><span class="reviewer-author-name">Justin K.</span>, Silver Spring, MD</span></div><div class="clear"></div></div></div><a href="https://www.uigmd.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 background-dark shade2 gutter-none d-padding-top-4 d-padding-bottom-4 m-padding-top-2 m-padding-bottom-2 animate-asc" ><div class="container"><div id="footer-left" class="column one-fourth"><div id="brightfire_location_widget-3" class="full-width offset-none text-size-small text-color-light link-color-light d- m-text-align-center widget brightfire-location-widget"><h5 class="text-color-light text-size-base widgettitle">Contact</h5><div class="agency-schema"><div class="company-name">Universal Insurance Group</div><ul class="address margin-bottom-1"><li>11161 New Hampshire Avenue<br>Suite 400</li><li><span>Silver Spring</span>, <span>Maryland</span> <span>20904</span></li></ul>
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245/*# sourceURL=global-styles-inline-css */
246</style>
247<script type="text/javascript" defer="defer" src="https://cdnjs.cloudflare.com/ajax/libs/vanilla-lazyload/10.19.0/lazyload.min.js?ver=10.19.0" id="lazyload-js"></script>
vendor: 1 bytes, line 247
247
248<script type="text/javascript" id="brightfire_core_frontend-js-extra">
249/* <![CDATA[ */
250var agent_type = {"erie":"","dairyland":"","pia":""};
251var core = {"ajax_url":"https://www.uigmd.com/wp-admin/admin-ajax.php"};
252//# sourceURL=brightfire_core_frontend-js-extra
253/* ]]> */
254</script>
vendor: 1 bytes, line 254
254
255<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-core/assets/dist/js/core_frontend_scripts.min.js?ver=1.94.1" id="brightfire_core_frontend-js"></script>
vendor: 1 bytes, line 255
255
256<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-insurance-library/assets/dist/js/insurance_settings_scripts.min.js?ver=1.40.0" id="insurance_settings_scripts-js"></script>
vendor: 1 bytes, line 256
256
257<script type="text/javascript" defer="defer" src="https://kit.fontawesome.com/8e92188b03.js?ver=1.22.0" id="fontawesome-js"></script>
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257
258<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/stellar-network-mods/assets/dist/js/categories_archives_scripts.min.js?ver=1.22.0" id="category_archives_scripts-js"></script>
vendor: 1 bytes, line 258
258
259<script type="text/javascript" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-lightbox/assets/js/brightfire-lightbox.min.js?ver=0.1.0" id="brightfire-lightbox-js"></script>
vendor: 1 bytes, line 259
259
260<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-core/common/selectize/selectize.min.js?ver=0.12.1" id="selectize-js"></script>
vendor: 1 bytes, line 260
260
261<script type="text/javascript" id="carrier-scripts-js-extra">
262/* <![CDATA[ */
263var company = {"name":"Universal Insurance Group"};
264//# sourceURL=carrier-scripts-js-extra
265/* ]]> */
266</script>
vendor: 1 bytes, line 266
266
267<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-carriers/assets/dist/js/carriers_scripts.min.js?ver=1.42.1" id="carrier-scripts-js"></script>
vendor: 1 bytes, line 267
267
268<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-core/common/slick/slick/bf_slick.min.js?ver=1.9" id="bf_slick_js-js"></script>
vendor: 1 bytes, line 268
268
269<script type="text/javascript" id="bf_agency-js-extra">
270/* <![CDATA[ */
271var AgencyAjax = {"ajaxurl":"https://www.uigmd.com/wp-admin/admin-ajax.php"};
272//# sourceURL=bf_agency-js-extra
273/* ]]> */
274</script>
vendor: 1 bytes, line 274
274
275<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-agency/assets/dist/js/frontend_scripts.min.js?ver=1.54.0" id="bf_agency-js"></script>
vendor: 1 bytes, line 275
275
276<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-core/common/actual/jquery.actual.min.js?ver=1.8" id="actual-js"></script>
vendor: 1 bytes, line 276
276
277<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/themes/brightfire-stellar/assets/dist/js/brightfire_stellar.js?ver=3.21.0" id="bf_stellar-js"></script>
vendor: 1 bytes, line 277
277
278<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/mu-plugins/brightfire-core/assets/dist/js/brightfire_cookie_consent_scripts.min.js?ver=1.94.1" id="bf-cookie-consent-scripts-js"></script>
vendor: 1 bytes, line 278
278
279<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-includes/js/dist/dom-ready.min.js?ver=f77871ff7694fffea381" id="wp-dom-ready-js"></script>
vendor: 1 bytes, line 279
279
280<script type="text/javascript" src="https://www.uigmd.com/wp-includes/js/dist/hooks.min.js?ver=dd5603f07f9220ed27f1" id="wp-hooks-js"></script>
vendor: 1 bytes, line 280
280
281<script type="text/javascript" src="https://www.uigmd.com/wp-includes/js/dist/i18n.min.js?ver=c26c3dc7bed366793375" id="wp-i18n-js"></script>
vendor: 1 bytes, line 281
281
282<script type="text/javascript" id="wp-i18n-js-after">
283/* <![CDATA[ */
284wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } );
285//# sourceURL=wp-i18n-js-after
286/* ]]> */
287</script>
vendor: 1 bytes, line 287
287
288<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-includes/js/dist/a11y.min.js?ver=cb460b4676c94bd228ed" id="wp-a11y-js"></script>
vendor: 1 bytes, line 288
288
289<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/js/jquery.json.min.js?ver=2.9.19" id="gform_json-js"></script>
vendor: 1 bytes, line 289
289
290<script type="text/javascript" id="gform_gravityforms-js-extra">
291/* <![CDATA[ */
292var 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"}};
293var gf_legacy_multi = [];
294var 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.uigmd.com/wp-content/plugins/gravityforms/images"}};
295var 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.uigmd.com/wp-content/plugins/gravityforms","number_formats":[],"spinnerUrl":"https://www.uigmd.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."}};
296//# sourceURL=gform_gravityforms-js-extra
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298</script>
vendor: 1 bytes, line 298
298
299<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/js/gravityforms.min.js?ver=2.9.19" id="gform_gravityforms-js"></script>
vendor: 1 bytes, line 299
299
300<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/js/jquery.maskedinput.min.js?ver=2.9.19" id="gform_masked_input-js"></script>
vendor: 1 bytes, line 300
300
301<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/js/placeholders.jquery.min.js?ver=2.9.19" id="gform_placeholder-js"></script>
vendor: 1 bytes, line 301
301
302<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/assets/js/dist/utils.min.js?ver=380b7a5ec0757c78876bc8a59488f2f3" id="gform_gravityforms_utils-js"></script>
vendor: 1 bytes, line 302
302
303<script type="text/javascript" defer="defer" src="https://www.uigmd.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 303
303
304<script type="text/javascript" id="gform_gravityforms_theme-js-extra">
305/* <![CDATA[ */
306var gform_theme_config = {"common":{"form":{"honeypot":{"version_hash":"9f29a1f046241c882ce179ed2bc5abfa"},"ajax":{"ajaxurl":"https://www.uigmd.com/wp-admin/admin-ajax.php","ajax_submission_nonce":"44f88f92c4","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.uigmd.com/wp-content/plugins/gravityforms/assets/js/dist/","config_nonce":"a066a3d788"};
307//# sourceURL=gform_gravityforms_theme-js-extra
308/* ]]> */
309</script>
vendor: 1 bytes, line 309
309
310<script type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/gravityforms/assets/js/dist/scripts-theme.min.js?ver=8fa5e6390c795318e567cd2b080e169b" id="gform_gravityforms_theme-js"></script>
vendor: 1 bytes, line 310
310
311<script defer type="text/javascript" defer="defer" src="https://www.uigmd.com/wp-content/plugins/akismet/_inc/akismet-frontend.js?ver=1784566646" id="akismet-frontend-js"></script>
vendor: 1 bytes, line 311
311
312<script type="text/javascript"></script>
312<script type="text/javascript">
313/* <![CDATA[ */
314 gform.initializeOnLoaded( function() { jQuery(document).on('gform_post_render', function(event, formId, currentPage){if(formId == 14) {if(typeof Placeholders != 'undefined'){
315                        Placeholders.enable();
316                    }jQuery('#input_14_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){} ) } ); 
317/* ]]> */
318</script>
vendor: 1 bytes, line 318
318
319<script type="text/javascript">
320/* <![CDATA[ */
321 gform.initializeOnLoaded( function() {jQuery(document).trigger("gform_pre_post_render", [{ formId: "14", currentPage: "1", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( "gform_wrapper_14" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( "span" );            visibilitySpan.id = "gform_visibility_test_14";            gformWrapperDiv.insertAdjacentElement( "afterend", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( "gform_visibility_test_14" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 14, 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();        }    } ); 
322/* ]]> */
323</script>
323
324</div>
324<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:'a47a9ad54af064b3',t:'MTc5MTUxOTc1Mg=='};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>
324</body>
325</html>

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