Which rider allows the wife of the insured to be added to the primary insured's coverage?

The Family Income Rider provides monthly income benefits to the family for a specified period following the death of the insured. While it supports the family, it does not allow for the addition of the insured's spouse as a covered individual under the policy, focusing instead on income replacement rather than direct coverage.

This rider involves a term life insurance policy where the death benefit decreases over time, typically aligned with a mortgage or loan. It does not facilitate the addition of a spouse to the policy; rather, it serves a specific purpose of adjusting coverage as financial obligations diminish.

The Cost of Living Rider adjusts the death benefit of a life insurance policy in accordance with inflation, ensuring that the payout maintains its purchasing power. However, it does not allow for the addition of a spouse to the primary insured's coverage, focusing solely on the value of the benefit rather than expanding coverage to additional individuals.