Family Term Rider coverage scope includes which group?

• A. The policy owner adds term insurance for the policy owner's spouse and children
• B. It covers only the policy owner's spouse
• C. It covers only the policy owner's children
• D. It covers non-relatives

Answer: (A)

Family Term Rider is designed to extend term life insurance to the policy owner’s immediate family. It provides coverage for both the policy owner’s spouse and dependent children, often under one rider with a combined benefit. This scope reflects the rider’s purpose: to insure family members, not just one person or unrelated individuals. Non-relatives are not covered by this rider, and it’s not limited to only the spouse or only the children—the important point is that both spouse and children are included.