What are collectively known as provisions that supplement basic life insurance coverage?

The term that refers to provisions that supplement basic life insurance coverage is "riders." Riders are additional benefits or coverages that can be added to a standard life insurance policy to enhance its features or provide specific types of coverage that are not included in the base policy. These can include options like accidental death benefit riders, waiver of premium riders, or long-term care riders, among others.

Riders can be tailored to meet the individual policyholder's needs, allowing for personalized coverage that can adapt to changing circumstances. This flexibility makes riders an important aspect of life insurance policies, offering enhanced protection and peace of mind.

While endorsements and additions might suggest some form of added features, in the context of life insurance, riders specifically denote additional coverage options. Exclusions, on the other hand, refer to specific situations or conditions under which the policy would not provide coverage, which is fundamentally different from supplemental provisions.