Pennsylvania Life and Health Insurance Exam Practice Question
Which of the following provides a death benefit if the spouse of the insured dies?
Correct Answer: D
Rationale: The Family Term insurance rider offers a death benefit specifically for the spouse of the insured, ensuring financial support in the event of their passing.
Option A, the long-term care insurance rider, focuses on providing coverage for long-term care services, not death benefits. Option B, the guaranteed insurability rider, allows the insured to purchase additional insurance without medical underwriting but does not provide a death benefit for a spouse. Option C, the accelerated death benefit rider, allows the insured to access part of their death benefit if diagnosed with a terminal illness, but it does not extend a benefit to a spouse upon their death.
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