Life Policy ProvisionsQuestion 561 of 716
Adding a level term rider to a whole life policy lets the owner:
a.Permanently reduce the base policy's face amount
b.Permanently eliminate the base policy's cash value accumulation in exchange for the additional term protection
c.Add temporary extra coverage (for example on a spouse or for a set period) at relatively low cost
d.Avoid all future underwriting on the base policy
Explanation
A term rider layers inexpensive, temporary coverage on top of permanent insurance, often to cover a spouse or a period of higher need. It does not shrink the base face amount, remove cash value, or waive future underwriting.
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Related questions on this topic
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Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)