Pennsylvania Life and Health Insurance Exam Practice Question
Which rider allows the wife of the insured to be added to the primary insured’s coverage?
Correct Answer: A
Rationale: The Spouse Term rider specifically allows the wife of the insured to be added to the primary insured's coverage, providing her with life insurance protection. This rider is designed to extend benefits directly to the spouse, ensuring financial security in the event of the primary insured's death.
In contrast, the Family Income rider focuses on providing income benefits to the family rather than directly covering the spouse. The Children’s Term rider is intended for insuring children, not spouses. Joint Life policies cover two individuals but do not specifically add a spouse to an existing policy. Thus, only the Spouse Term rider meets the requirement of adding the wife to the primary insured's coverage.
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