A spouse and child can be added to the primary insured's coverage as what kind of rider?

The correct choice is family term. This type of rider allows a policyholder to extend coverage to their spouse and children under their life insurance policy. The family term rider is particularly beneficial as it provides additional protection for family members at a cost-effective rate, often without requiring separate evidence of insurability.

In contrast, other options, such as dependent term, typically target specific dependents with limited coverage and may not cover all family members simultaneously. Guaranteed insurability riders provide the option to purchase additional insurance at certain intervals without medical underwriting, but they do not directly add family members to the primary insured's coverage. Primary term is not a recognized term in the context of riders, as it refers more to the main life insurance coverage rather than additional options for dependents.

Thus, the family term rider stands out as the correct answer because it is designed specifically for incorporating family members into the coverage of the primary insured, ensuring peace of mind and security for the entire family under one policy.