You can add extra benefits to your life insurance policy. The people may have signed up for a whole insurance policy and then do not end up loving the policy, they may seek to add supplements to that policy. One of these supplements would be a rider for example. Look at a rider as something that will make it easier for your family to be able to pay your medical bills or your funeral costs, for example.
You may also use the rider on your whole life insurance policy to pay off other possible debts that you may have against your estate. This can include past and future lawsuits and tax debts/liens that remain before your estate is closed following your passing.