Which rider combines spouse and child coverage into one arrangement?

Which rider combines spouse and child coverage into one arrangement?

• A. Riders covering additional insured
• B. Disability income
• C. Family term rider
• D. Children's term rider

Answer: (C)

A family term rider is designed to provide term life coverage for both a spouse and dependent children under a single rider attached to the base policy. This arrangement makes it possible to bundle life protection for the whole family into one rider, usually with a shared approach to pricing and the option to convert later if needed. Children's term rider, in contrast, covers only the children and does not include the spouse. Disability income rider provides a benefit if the insured becomes disabled, not a family coverage package. Riders covering additional insured are typically used in liability contexts, not for extending life coverage to family members.

A family term rider is designed to provide term life coverage for both a spouse and dependent children under a single rider attached to the base policy. This arrangement makes it possible to bundle life protection for the whole family into one rider, usually with a shared approach to pricing and the option to convert later if needed.

Children's term rider, in contrast, covers only the children and does not include the spouse. Disability income rider provides a benefit if the insured becomes disabled, not a family coverage package. Riders covering additional insured are typically used in liability contexts, not for extending life coverage to family members.