Which rider allows you to add non-related individuals to an insurance policy?

The Other Insured rider is a provision that allows policyholders to add individuals who are not the primary insured to their life insurance policy. This rider extends coverage to additional family members or other individuals, often at a lower cost than purchasing separate policies for each person. It is commonly used to provide life insurance protection for spouses, children, or other dependents and can be particularly beneficial for families looking to manage insurance coverage in a more economical way.

In contrast to this, the cost of living rider typically adjusts the death benefit in correlation with inflation but does not allow the addition of other insured individuals. Term riders usually provide temporary coverage for a specified period or an additional sum but do not involve adding non-related individuals. Lastly, a jumping juvenile life policy is designed for children, but it is not focused on the inclusion of unrelated individuals in the way that the Other Insured rider does.