Which rider pays a death benefit if the insured's spouse dies?

The correct choice involves the Family term insurance rider, which provides coverage for the insured's spouse or dependents in addition to the primary insured. This rider typically allows for a certain amount of term insurance coverage on the spouse or family members under the primary policy. If the insured's spouse passes away, this rider pays out a death benefit to the primary insured. The inclusion of dependents under the same policy allows for additional financial protection at a potentially lower cost than purchasing separate policies for each family member.

Other riders mentioned, such as the Guaranteed Insurability rider, primarily focus on allowing the policyholder the ability to purchase additional insurance at specified intervals without undergoing further medical underwriting. The Family whole insurance rider, although providing benefits to family members, is less commonly referenced and generally would not focus on a death benefit specifically for a spouse. The Payor benefit rider is designed to cover premium payments if the policyholder becomes disabled or dies, ensuring that the policy remains in force, rather than providing a death benefit for a spouse. Thus, the Family term insurance rider is the most suitable choice for paying a death benefit specifically upon the death of the insured's spouse.