Which rider covers children under their parent's policy?

• A. Disability Rider
• B. Term Rider
• C. Accidental Death Rider
• D. Spouse Rider

Answer: (B)

A rider that provides term life coverage for the insured’s children attached to the parent’s policy is a Term Rider, commonly implemented as a child term rider. It adds temporary life protection for the children under the existing policy and can usually be converted to permanent coverage later if desired. The other riders serve different purposes: a Disability Rider relates to the policyholder’s own disability, an Accidental Death Rider pays out only if death results from an accident, and a Spouse Rider covers a spouse rather than children.