Primerica Life Producer Exam Practice Test 2026 – Complete Prep Resource

A spouse rider is an addition to a life insurance policy that specifically provides coverage for the spouse of the primary policyholder under the same contract. This rider extends the benefits of the primary policyholder's life insurance to their spouse, allowing for additional financial protection without the need for a separate policy. By incorporating a spouse rider, the primary policyholder can ensure that their spouse is covered in the event of their death, making it a convenient and cost-effective way to provide family protection.

In contrast, the other options detail concepts that do not accurately define a spouse rider. For example, a discount for couples purchasing joint policies or a clause limiting coverage for a spouse do not represent the features or purposes of a spouse rider. Additionally, a separate policy with additional benefits for family members is not how a spouse rider is typically structured, as it remains an extension of the primary policy rather than a standalone contract. Thus, the correct understanding of a spouse rider focuses on its role in providing coverage for the spouse directly under the primary policyholder's life insurance.