What benefit supplement added to a life insurance policy insures an entire family?

The family term rider is designed specifically to provide coverage for all eligible members of a family under a single policy. This rider ensures that a spouse, dependent children, and sometimes other family members can receive life insurance benefits without the need for separate policies for each individual.

By adding this rider to a life insurance policy, the primary insured person is able to extend coverage to their family at a relatively low cost, generally providing a specified amount of coverage for a temporary period, typically until the children reach adulthood or another agreed-upon time frame. This approach allows families to be adequately covered without the added complexity and cost of managing multiple individual policies.

Other options, while beneficial in their own contexts, focus primarily on a specific subset of the family. For example, the spouse rider covers just the spouse, the child term rider is limited to children, and the dependent term rider may include a wider range of dependents but does not necessarily cover the entire family as a unit. Thus, the family term rider is the most comprehensive choice for insuring an entire family under a single rider.