Which rider attached to a life insurance policy is designed to insure an entire family?

The family rider is specifically designed to provide coverage for an entire family under a single life insurance policy. This rider typically allows the policyholder to include their spouse and dependent children under the same coverage, often at a lower cost than if each family member had separate policies. By having a family rider, the policyholder can ensure that their loved ones are financially protected in the event of their passing without needing to manage multiple policies.

The spouse rider typically provides coverage specifically for the spouse of the policyholder but does not include children or other family members. The children’s term rider offers coverage for children but is limited to that demographic and generally does not extend to the spouse or other family members. The term policyholder rider, which is not a standard term used in life insurance, would imply additional benefits or coverage for the main insured individual but does not encompass the entire family like the family rider does. Therefore, the family rider is the most comprehensive option for insuring an entire family under one policy.