Extended coverage describes additional protection beyond a base policy or period, often achieved through riders, conversion privileges, continuation provisions, or nonforfeiture options. In life insurance, it can mean keeping protection in force after premiums stop by using accumulated values, or layering riders for accidental death, waiver, or term blends. Extended coverage strategies help clients maintain appropriate protection during changing life stages without replacing policies entirely.

Advisors use extended coverage strategies to maintain protection when budgets tighten-switching dividend options, using cash value to carry premiums, or layering a term rider. They also plan conversions or riders to adapt coverage to new needs. This flexibility helps clients avoid lapses while keeping core protections in place.