Which of the following provides a death benefit if the spouse of the insured dies?

This rider is intended to provide benefits for long-term care services, such as nursing home or in-home care, rather than offering a death benefit. It focuses on supporting the insured in the event of incapacitating health issues, not on providing financial support after a spouse's death.

The guaranteed insurability rider allows the policyholder to purchase additional insurance coverage at specified times without undergoing further medical examination. While it ensures that the insured can increase coverage, it does not provide any death benefits directly related to the loss of a spouse.

An accelerated death benefit rider allows policyholders to access a portion of their life insurance benefit while still alive if they are diagnosed with a terminal illness. Though it provides financial assistance during a critical health crisis, it does not address the death benefit related to the spouse's demise.