Is there an age limit on the disability rider? I had a Whole Life policy that I acquired before GBS with the rider and found that it was only good until I became the age of 60. After that I had to start paying for the policy again even though I was still disabled. With your age that rider may be only good for a few years and you could be paying for it for the entire term of the policy. Perhaps it is different on the Term policy. It would not hurt to read the fine print and find out for sure.