What type of rider covers the life of a spouse under a primary insured’s policy?

The correct response indicates that a spouse rider specifically allows for coverage of the life of a spouse under an existing life insurance policy held by the primary insured individual. This type of rider is designed to provide additional protection by ensuring that, in the event of the spouse's death, a benefit would be paid from the primary insured's policy.

This rider often complements the primary insurance policy’s coverage by offering an added layer of financial security. Typically, the coverage amount under a spouse rider may be less than or proportional to the amount of coverage for the primary insured. This kind of provision helps policyholders manage their family's financial risks by simultaneously covering multiple family members under a single insurance policy, typically adding convenience and potentially reducing costs compared to obtaining separate policies for each family member.

Other types of riders mentioned involve different coverages: a dependent rider generally caters to dependents—usually children—while the family rider can cover multiple family members, but not specifically in a way tailored for spouses as the spouse rider does. A child rider, on the other hand, exclusively adds coverage for children, reinforcing that the spouse rider is unique and specifically designed for the husband or wife of the primary insured.