Which rider would cover a child for a limited term?

Which rider would cover a child for a limited term?

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

Answer: (D)

The rider for children is designed to provide life coverage for a child for a fixed, limited period. It attaches to a policy and pays a death benefit if the child dies during the specified term, ending at a certain age (often 18–25 or 30, depending on the policy). This keeps costs low and avoids permanent coverage for a child unless you choose to convert later to a permanent policy. This is different from riders like disability income (which pays if the insured becomes disabled), or a rider that covers multiple family members under one policy, or an additional insured rider (which relates to liability in other types of insurance). So, a children term rider best fits the idea of covering a child for a limited term.

The rider for children is designed to provide life coverage for a child for a fixed, limited period. It attaches to a policy and pays a death benefit if the child dies during the specified term, ending at a certain age (often 18–25 or 30, depending on the policy). This keeps costs low and avoids permanent coverage for a child unless you choose to convert later to a permanent policy. This is different from riders like disability income (which pays if the insured becomes disabled), or a rider that covers multiple family members under one policy, or an additional insured rider (which relates to liability in other types of insurance). So, a children term rider best fits the idea of covering a child for a limited term.