A spouse and child can be added to the primary insured's coverage as what kind of rider?

• A. Accidental death rider
• B. Waiver of premium
• C. Family term
• D. Level term

Answer: (C)

A family term rider is designed to extend coverage to a spouse and dependent children under the primary insured’s policy. It provides term life protection for eligible family members within the framework of the existing policy, typically with defined age limits and a single premium structure. This makes it a cost-effective way to insure the whole family without purchasing separate policies.

The other riders don’t fit this purpose: an accidental death rider pays an extra benefit only if death results from an accident, not regular coverage for family members; a waiver of premium rider simply waives premiums if the insured becomes disabled and does not add new coverage for relatives; and level term refers to a standalone term policy with a level death benefit, not a rider that adds spouse and children coverage to the primary policy.