Which rider allows adding a spouse onto your policy and paying as part of your premium?

Which rider allows adding a spouse onto your policy and paying as part of your premium?

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

Answer: (C)

The key idea is adding someone else to your life policy as an extra insured. An additional insured rider is designed for this purpose: it lets you name your spouse (or another person) on your policy so their life is covered under the same policy. The premium for that added coverage is typically folded into your existing premium, so you’re paying one combined amount rather than managing separate policies or separate rider charges. This makes it a convenient way to ensure your spouse is protected without juggling multiple policies. The other riders serve different aims: an accidental death rider pays out only if death results from an accident, not for all causes; a disability income rider provides benefits if the insured becomes disabled; and a family term rider extends coverage to a spouse and children but is a separate term coverage with its own premium structure.

The key idea is adding someone else to your life policy as an extra insured. An additional insured rider is designed for this purpose: it lets you name your spouse (or another person) on your policy so their life is covered under the same policy. The premium for that added coverage is typically folded into your existing premium, so you’re paying one combined amount rather than managing separate policies or separate rider charges. This makes it a convenient way to ensure your spouse is protected without juggling multiple policies.

The other riders serve different aims: an accidental death rider pays out only if death results from an accident, not for all causes; a disability income rider provides benefits if the insured becomes disabled; and a family term rider extends coverage to a spouse and children but is a separate term coverage with its own premium structure.