Final answer:
In a whole life policy with a family rider like the one purchased by Bill Miles, the person typically not covered by the rider is the insured, as they are already protected under the main policy. The spouse, daughter, and adopted son would all be covered, leaving the correct answer to the question as the insured (option A).
Step-by-step explanation:
Bill Miles buys an individual whole life policy with a face amount of $160,000 and adds to the policy a family rider to cover his spouse and children. A family rider on a life insurance policy typically extends coverage to additional family members under the primary insured's policy. In this case, the individuals that would be covered by such a rider include Bill's 43-year-old spouse, his daughter, and his adopted son.
In answering the question of whom the rider will cover, it's essential to understand the standard provisions of a family rider. Usually, the policyholder (the insured) is not covered under a family rider because they are already protected under the primary policy. Therefore, the individuals that would normally be included under the family rider's coverage would be the spouse and any children, including legally adopted children. Hence, the correct response to the question would be:
A. The insured
This indicates that the insured, Bill Miles, will not be covered by the rider as he is already covered by the primary whole life policy. His spouse, daughter, and adopted son would all be covered under the rider.