What is a spousal rider?

• A. A rider that reduces the death benefit after a certain age.
• B. A rider that terminates coverage upon remarriage.
• C. A rider that provides coverage on a spouse or partner; sometimes included in policy or purchased separately.
• D. A rider that increases the policy's cash value by a fixed amount.

Answer: (C)

A spousal rider is an optional add-on to a life insurance policy that provides coverage on a spouse or partner. It can be attached to the policy or purchased separately, and the premium typically reflects the spouse’s age and insurability. This description matches the concept precisely: it focuses on insuring a spouse or partner rather than adjusting benefits for the insured or increasing cash value.

The other descriptions point to different rider types: one describes a rider that reduces the death benefit after a certain age, another suggests coverage ends upon remarriage, and another describes a rider that increases cash value. These are not what a spousal rider is.