Final answer:
A Term Life rider adds additional life coverage to a policy but does not offer cash value, long-term coverage, or disability protection, unlike whole life insurance, which has both a death benefit and an accumulating cash value component. The correct answer is option a.
Step-by-step explanation:
The subject here concerns Term Life insurance and understanding its benefits. A Term Life rider offers the insured additional life coverage, augmenting the death benefit but does not provide cash value, long-term coverage, or disability protection. Unlike cash-value (whole) life insurance, which includes a savings component that can accumulate cash over time, term life insurance is designed purely for the death benefit, providing a fixed amount of coverage for a specified period.