An endorsement found in an insurance plan that modifies the provisions of the policy is called which term?

• A. Endorsement
• B. Addendum
• C. Rider
• D. Amendment

Answer: (C)

A rider is an attachment to an insurance policy that changes or adds to the contract’s provisions. It sits with the base policy and expands, limits, or alters coverage and terms, effectively modifying the policy after issuance. For example, adding a waiver-of-premium rider or an extra accidental death benefit rider changes what the policy pays or requires, by design. While endorsements can modify a policy, the term that specifically refers to a modification that expands or alters coverage is a rider. The other options describe broader or different document types that aren’t as precise for this purpose.