A. While it has been table stake for term life insurance companies to offer free Terminal Disease Rider free, few companies offer other riders free as you described.
Prudential is probably the only exception at this time - its living benefits rider allows a policy owner to access death benefits in case of critical, chronic, and terminal illness, and such rider is free.
Unfortunately such rider is not available for all U.S. States yet, if you are interested to find out if it is available in your state, please contact us. This is a very nice rider for some one who is not young and is considering a 30-year Term life.