Main answer:
Riders can be attached to protect the insured's spouse, children, or both.
Step-by-step explanation:
Insurance policies often allow for the inclusion of additional insured parties beyond the primary policyholder. These additional insureds, such as a spouse, children, or even non-family members in some cases, can be safeguarded through riders. Riders are add-ons or amendments to an insurance policy that offer supplementary coverage beyond what the base policy provides. For instance, a spouse or children can be covered through specific riders tailored to their needs, such as a spouse rider or a child term rider.
These riders might vary in their offerings, ranging from providing temporary coverage for children, extending coverage to a spouse, or even catering to non-family individuals under certain circumstances. They offer a way to customize the policy to accommodate the needs of these additional insureds, ensuring they are protected according to specific requirements. Riders play a crucial role in extending the scope of coverage to encompass not just the primary policyholder but also those connected to them by familial or other relationships.
Correct answer: Riders can be attached to protect the insured's spouse, children, or both.