A policyholder wants to cover his spouse and two children under his existing whole life policy without purchasing separate contracts. Which rider accomplishes this?

Why this is the answer

The Other Insureds rider—sometimes called a Family rider or Spouse/Children rider—adds term life coverage on family members under the primary insured's policy. All covered family members are listed in the rider; a single rider can cover the spouse and all dependent children under one premium addition. Option A (Payor Benefit) protects a juvenile policy if the premium-paying adult dies — unrelated. Option B (Guaranteed Insurability) grants future purchase rights, not immediate multi-person coverage. Option D (Cost of Living) adjusts the primary insured's benefit for inflation, not other persons' coverage. The TX outline §II.A specifically names 'Other insureds' as a testable rider category.