Which rider provides level term coverage on the life of the insured's spouse?

Which rider provides level term coverage on the life of the insured's spouse?

• A. Adjustable Face Amount
• B. Spouse Rider
• C. Surrenders
• D. Mortality Table

Answer: (B)

A spouse rider provides level term coverage on the insured's spouse. This rider attaches to the policy to insure another person’s life—in this case, the spouse—with a fixed death benefit for the term of the rider. The coverage stays level (the amount doesn’t increase over time) during that term, offering straightforward protection for the spouse without needing a separate policy. Premiums are typically based on the spouse’s age when the rider is issued, and the rider can usually be converted or renewed per the policy terms. Other options don’t create coverage on someone else’s life or are not described as term protection for a spouse.

A spouse rider provides level term coverage on the insured's spouse. This rider attaches to the policy to insure another person’s life—in this case, the spouse—with a fixed death benefit for the term of the rider. The coverage stays level (the amount doesn’t increase over time) during that term, offering straightforward protection for the spouse without needing a separate policy. Premiums are typically based on the spouse’s age when the rider is issued, and the rider can usually be converted or renewed per the policy terms. Other options don’t create coverage on someone else’s life or are not described as term protection for a spouse.