What happens to the coverage under a children's term rider when the child reaches the specified age?

When a child reaches the specified age set forth in a children's term rider, the coverage typically ends, which is why the answer is that coverage is eliminated. The children's term rider is designed to provide life insurance coverage for the policyholder's children for a specific period, often until they reach a certain age, commonly 18 or 21 years. Once the child surpasses this age limit, the rider automatically terminates, and the coverage is no longer in force.

This rider is particularly beneficial as it allows parents to ensure their children are protected during their younger years, but it fundamentally serves a temporary purpose. Options like coverage decreasing or increasing automatically do not apply in this context, nor does the idea of maintaining coverage contingent on proof of insurability, as those aspects don't align with the typical functioning of a children's term rider. Hence, the elimination of coverage at the specified age accurately reflects how the rider is intended to operate.