Which rider would cover a nonfamily insured?

Which rider would cover a nonfamily insured?

• A. Spouse (Other Insured) Rider
• B. Child Rider
• C. Family Rider
• D. Nonfamily Rider

Answer: (D)

Riders extend a life insurance policy to cover people beyond the insured. A Nonfamily Rider is the option designed to cover someone who isn’t a family member of the policyowner. So it’s the best fit when the goal is to insure a nonfamily person, such as a key colleague or business partner, under the policy terms. The other riders are geared toward family: a Spouse (Other Insured) Rider covers a spouse, a Child Rider covers a child, and a Family Rider covers multiple family members. That’s why they don’t match the scenario of insuring someone outside the family.

Riders extend a life insurance policy to cover people beyond the insured. A Nonfamily Rider is the option designed to cover someone who isn’t a family member of the policyowner. So it’s the best fit when the goal is to insure a nonfamily person, such as a key colleague or business partner, under the policy terms.

The other riders are geared toward family: a Spouse (Other Insured) Rider covers a spouse, a Child Rider covers a child, and a Family Rider covers multiple family members. That’s why they don’t match the scenario of insuring someone outside the family.