What best describes a term rider in family plan policies?

A term rider in family plan policies is typically designed to enhance the coverage of a family by adding term insurance to the base policy. This rider provides a specified amount of term insurance coverage for the family head, usually at a lower cost compared to purchasing a separate term policy. The primary function of the term rider is to protect the family financially in the event of the family head's unexpected passing, providing a death benefit that can help cover immediate expenses and support the family’s financial needs during a challenging time.

While it's important to note that family plan policies might include various coverage options, the focus here is specifically on the term rider's role in providing additional term insurance coverage. In this context, it offers a way to ensure that adequate protection is in place without the expense of a full permanent policy for the family head, making it a cost-effective solution for those seeking to secure their family's future.