What does the Children Term rider provide?

• A. Increases the insured's own death benefit
• B. Provides waived premiums for children
• C. Allows children of the insured to be added to coverage
• D. Creates separate policies for each child

Answer: (C)

Children Term rider lets the insured add their children to life insurance coverage under the same policy. It provides term coverage on each eligible child, typically for a limited period or until the child reaches a certain age, with a relatively small additional premium. This rider does not increase the insured’s own death benefit, nor does it waive premiums or create separate policies for each child. It simply attaches coverage for the children to the existing policy, often allowing conversion to permanent coverage for a child in the future under the policy’s terms.