Which rider allows adding spouse and child to the insured's coverage?

Which rider allows adding spouse and child to the insured's coverage?

• A. Family term
• B. Primary beneficiary
• C. Contingent beneficiary
• D. Accidental death rider

Answer: (A)

A family term rider is designed to extend coverage to family members, specifically allowing the insured to add a spouse and dependent children to the policy. This rider provides term protection for those family members, usually at a relatively low cost, and it can often be converted to permanent coverage later if desired. That’s exactly what the question is asking: enabling the insured to include a spouse and child in the coverage. The other options don’t fit this purpose. Beneficiary designations—primary or contingent—determine who receives the death benefit, not who is covered. An accidental death rider adds extra benefit only if death results from an accident, and it doesn’t add a spouse or child to the coverage itself.

A family term rider is designed to extend coverage to family members, specifically allowing the insured to add a spouse and dependent children to the policy. This rider provides term protection for those family members, usually at a relatively low cost, and it can often be converted to permanent coverage later if desired. That’s exactly what the question is asking: enabling the insured to include a spouse and child in the coverage.

The other options don’t fit this purpose. Beneficiary designations—primary or contingent—determine who receives the death benefit, not who is covered. An accidental death rider adds extra benefit only if death results from an accident, and it doesn’t add a spouse or child to the coverage itself.