Which rider combines the spouse and child coverage into one arrangement?

Which rider combines the spouse and child coverage into one arrangement?

• A. Family term rider
• B. Riders covering additional insured
• C. Disability income
• D. Accidental death rider

Answer: (A)

A family term rider is designed to provide term life coverage for a insured’s spouse and children under a single rider attached to the base policy. This makes it a convenient, cost-effective way to insure the entire immediate family without buying separate policies. The rider typically offers a level term amount for the spouse and for children, often up to a set total or per-child amount, and it may be convertible to permanent coverage later if needed. The other riders don’t bundle family coverage: disability income pays a portion of the insured’s income if they become disabled, an accidental death rider pays only if death results from an accident, and riders for additional insured extend coverage to other individuals rather than combining spouse and child coverage.

A family term rider is designed to provide term life coverage for a insured’s spouse and children under a single rider attached to the base policy. This makes it a convenient, cost-effective way to insure the entire immediate family without buying separate policies. The rider typically offers a level term amount for the spouse and for children, often up to a set total or per-child amount, and it may be convertible to permanent coverage later if needed. The other riders don’t bundle family coverage: disability income pays a portion of the insured’s income if they become disabled, an accidental death rider pays only if death results from an accident, and riders for additional insured extend coverage to other individuals rather than combining spouse and child coverage.