• Ms. Krol asked about the use of the term "riders," when some states use other terms.
• Mr. Musgrove agreed that the states do use different terms and pointed out that the survey document notes that riders, endorsements, agreements, etc. all mean about the same thing, and it is indicated in the survey that respondents should focus on the benefits provided no matter how they are characterized.

2005-2, NAIC Proc. (CARFRA)