What is a rider for a child term?

• A. A rider that provides term coverage on the policyholder’s children, typically convertible to permanent coverage.
• B. A rider that increases the policy's cash value.
• C. A rider that waives premiums for the policyholder.
• D. A rider that covers only the policyholder's spouse.

Answer: (A)

A child term rider provides temporary life protection for the policyholder’s children. It attaches to the policy and adds term coverage specifically for the insured’s children, usually allowing conversion to permanent coverage for each child later without new underwriting. This makes it a cost-effective way to guarantee insurability for children as they grow.

The other rider ideas describe different features: one that boosts the policy’s cash value (a cash-value or paid-up additions type), one that waives premiums if the insured becomes disabled (waiver of premium), or a rider that covers a spouse rather than children. The correct concept matches exactly the idea of term protection for children that can convert to permanent coverage.