I am purchasing term life insurance and my agent said a charitable gift rider will be added a no additional cost and asked me who I want to donate to. They said a certain percentage will go to charity above what my beneficiary will get at not cost. They said it is not cost to me, but I am not familiary with this rider and do not see why I should add it even though there are not extra cost to me and my beneficiary will get all insurance. Is this ok to add or should I tell them to take it off. They also asked if I wanted disability rider which would of been extra, I declined.
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