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

Rationale

Family Term insurance rider provides a death benefit if the spouse of the insured dies.

This rider extends coverage to the spouse of the primary insured, ensuring that a death benefit is paid to the beneficiaries in the event of the spouse's death. This feature is designed to provide additional financial protection for families, acknowledging the economic impact that a spouse's death can have.

A (Accelerated death benefit rider.) YOUR ANSWER

This rider allows the insured individual to access a portion of their death benefit while still alive in cases of terminal illness or critical health conditions. It does not provide a death benefit for the spouse but rather focuses on the policyholder's health status, allowing for funds to be used for medical expenses or other urgent needs.

C (Guaranteed insurability rider.) YOUR ANSWER

This rider allows the insured to purchase additional insurance coverage at specified times without having to provide evidence of insurability. While it offers flexibility to increase coverage, it does not provide a death benefit for the spouse of the insured, as it is solely focused on the insured individual’s ability to secure more coverage.

D (Long-term care insurance rider.) YOUR ANSWER

This rider is designed to cover costs associated with long-term care services, such as nursing homes or in-home care. It does not pay out a death benefit upon the death of the spouse, as it is focused on providing financial assistance for care needs rather than life insurance benefits.

Conclusion

The Family Term insurance rider specifically addresses the need for financial protection in the event of a spouse's death, making it the only choice that directly fulfills the question's criteria. Other options, such as the accelerated death benefit, guaranteed insurability, and long-term care insurance riders, serve different purposes and do not provide coverage for a spouse's death, highlighting the unique role of the Family Term insurance rider in comprehensive family financial planning.

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