Life Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A breadwinner buys a life policy with a family income rider. If the insured dies during the rider period, the beneficiaries receive:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The family income rider adds a temporary monthly income benefit to a base life policy. If the insured dies during the rider period, the family receives a monthly income for the remainder of that period, and when the period ends, the policy's face amount is paid in full. If the insured dies after the rider period has expired, only the base face amount is payable. The rider concentrates protection during the years when children are dependent and the family's income need is greatest, at a relatively low additional cost.
Why the other options are wrong
- A) A lump sum equal only to the face amount describes the base policy without the rider's additional monthly income benefit during the rider period.
- B) Family income payments are temporary, lasting only until the end of the stated rider period; they do not continue for the beneficiary's lifetime.
- C) A return-of-premium feature refunds premiums paid and is a separate benefit entirely distinct from the family income rider.
Memory hook
Family income rider: monthly checks now, full face amount later — double coverage while the kids grow.