A spouse term rider provides term life insurance coverage on the spouse of the person insured under the base life insurance policy. The primary insured remains covered by the underlying contract, while the spouse receives a separately stated amount of term protection through the rider.

This approach allows a family to obtain additional protection without necessarily issuing a completely separate individual policy for the spouse. Because the coverage is provided as a rider, its duration and continuation generally depend on the rider ' s contractual provisions and the status of the underlying policy. Certain contracts may also provide conversion rights when the rider terminates.

An accelerated death benefit rider permits the insured to access part of the policy ' s death benefit during life when specified qualifying conditions occur, such as terminal illness. A guaranteed insurability rider permits the primary insured to purchase additional coverage at designated times without new evidence of insurability. “Level term rider” describes a term benefit whose amount remains level but does not specifically identify coverage added for the insured ' s husband or wife.

The relationship described in the question therefore identifies the spouse term rider.

Study Guide Reference: Life Insurance Policy Provisions, Options, and Riders — spouse rider; family coverage; term riders; guaranteed insurability and accelerated benefits.