Which rider would best provide coverage for a policyowner's spouse and children under one policy at an affordable price?

• A. Spouse Rider
• B. Group Rider
• C. Accelerated Death Rider
• D. Family Rider

Answer: (D)

Family coverage is bundled in one rider, designed to insure the policyowner’s spouse and eligible children under a single policy. This arrangement typically uses a single, affordable premium and a simple underwriting process for all covered dependents, rather than issuing separate policies for each person. Because multiple family members are protected under one rider, the total cost is usually lower than buying individual policies for the spouse and each child, making it a cost-effective way to shield the whole family. The rider often allows some conversion options to permanent coverage later, but the primary benefit is providing comprehensive dependents protection in one package. In contrast, riders focused on just a spouse, a general group rider, or an accelerated death benefit do not offer the same bundled dependent coverage under one affordable rider.