A family rider extends life insurance protection beyond the primary insured to specified members of the insured ' s family, commonly the spouse and dependent children. The rider permits multiple family members to receive supplementary coverage under the primary life insurance contract rather than requiring a separate individual policy for each person.

Family coverage is commonly structured with term insurance on the spouse and children. The primary insured remains the principal person covered by the base policy, while the rider provides additional death benefits if a covered family member dies while the rider is in force. Coverage amounts, eligible ages, conversion provisions, and termination conditions are governed by the rider.

A payor benefit rider is commonly used with juvenile insurance and waives premiums if the person responsible for paying the premiums dies or becomes disabled under specified conditions. A guaranteed insurability rider permits the insured to purchase additional insurance at designated times without providing new evidence of insurability. A jumping juvenile feature automatically increases a child ' s coverage at a specified age.

Because the question specifically requires one rider covering both the insured ' s spouse and children, the family rider is the correct selection.

Study Guide Reference: Life Insurance Policy Provisions, Options, and Riders — family rider; spouse and children ' s coverage; payor benefit; guaranteed insurability.