General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A rider attached to a life insurance policy is best described as:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A rider is a written amendment attached to and made part of the policy that changes or adds to its provisions, such as adding a waiver of premium or an accidental death benefit. The rider becomes part of the contract and remains in force with the policy unless its terms say otherwise. Riders let the policyowner customize coverage to fit specific needs without purchasing a separate policy, and they must be explained honestly so the client understands exactly what benefits were added and what they cost.
Why the other options are wrong
- B) A rider modifies or supplements the policy. It does not replace the entire contract that was originally issued. The original policy remains the base contract; the rider only changes or supplements certain of its terms.
- C) A rider is attached to the same policy and the same insured. It is not a separate policy issued to a different person. Riders attach to the same policy and cover the same insured rather than creating a policy for someone else.
- D) A rider must be in writing and made part of the policy. An oral promise by the agent is not a rider. Riders must be written and attached to the policy; an agent's verbal promise carries no contractual effect.
Memory hook
Rider = a sticker on the policy page. It changes or adds, it does not rewrite the book.