An agent recommends adding a term rider to a client's whole life policy to boost total coverage during peak mortgage years. Which type of term rider would maintain the same additional death benefit amount throughout the rider period?

Why this is the answer

Term riders attached to permanent policies provide temporary additional death benefit at lower cost than purchasing a separate policy. A level term rider holds the additional face amount steady for the full rider period (e.g., 20 years), making total coverage: permanent base + fixed rider amount. A decreasing term rider reduces the additional benefit on a schedule—appropriate for a mortgage where the outstanding balance shrinks over time, but that is the opposite of what the question seeks. Option B (return of premium) is an entirely different rider type. Option C (guaranteed insurability) grants future purchase rights, not immediate additional coverage. The TX outline §II.A includes term riders as a testable category.