A method of providing life insurance on the husband of a person covered by a...

B is correct. A Spouse Term rider is specifically designed to add term life insurance coverage on the insured's spouse under the primary insured's life insurance contract. Instead of issuing a completely separate permanent policy on the husband, the insurer can attach term coverage for the spouse to the primary policy, subject to the rider's underwriting requirements, face-amount limits, termination provisions, and other contractual conditions.

The other riders serve fundamentally different purposes. A Guaranteed Insurability Option rider permits additional insurance to be purchased at specified times or events without new evidence of insurability; it does not itself constitute the standard mechanism for covering the spouse. A Return of Premium rider concerns repayment of qualifying premiums under specified conditions. An AD & D rider pays an additional benefit when death or qualifying dismemberment results from a covered accident; it does not establish ordinary life coverage on another family member.

The current Hawaiʻi Life-General Knowledge examination outline expressly places “Term riders” and “Other insureds” within the Policy Riders portion of the life exam. These classifications directly support the spouse-term concept tested here.

Reference topics: Life Provisions, Riders, Options and Exclusions — Term Riders; Other Insureds; Guaranteed Insurability; Return of Premium; Accidental Death.

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