10. Which of the following provides a death benefit if the spouse of the insured dies?
Answer: B
Family Term insurance rider provides a death benefit if the spouse of the insured dies.
A Family Term insurance rider is specifically designed to provide coverage that pays a death benefit upon the death of the spouse of the insured, ensuring financial protection for the family.
A) Guaranteed insurability rider.
The Guaranteed insurability rider allows the insured to purchase additional insurance coverage at specified times without having to provide evidence of insurability. However, it does not provide a death benefit upon the death of the spouse, making it irrelevant to the question.
B) Family Term insurance rider.
The Family Term insurance rider is specifically intended to provide a death benefit if the spouse of the insured dies. This option directly addresses the question by offering the necessary coverage needed for the family in such an event.
C) Long-term care insurance rider.
The Long-term care insurance rider is designed to cover the costs associated with long-term care services, but it does not provide a death benefit. Therefore, this option does not meet the criteria outlined in the question.
D) Accelerated death benefit rider.
The Accelerated death benefit rider allows the insured to receive a portion of the death benefit while still alive if they are diagnosed with a terminal illness. While it can provide financial assistance, it does not specifically provide a death benefit to the spouse of the insured upon their death.
Conclusion
The Family Term insurance rider is the only option that directly provides a death benefit if the spouse of the insured dies, addressing the specific need for financial support in such a circumstance. All other options either serve different purposes or do not offer the required benefit, making them unsuitable for this question.