What describes a rider in an insurance plan?

• A. The rider modifies premiums
• B. The rider modifies policy provisions
• C. The rider adds new disease coverage
• D. The rider ends the policy

Answer: (B)

A rider is an endorsement attached to an insurance policy that changes its terms. It amends policy provisions by adding, deleting, or modifying coverages and benefits within the contract. So the core idea is that a rider alters the policy provisions themselves, not simply adjusting premiums or ending the policy. Some riders do add new disease coverage, but that’s a specific type of rider; the general function is to modify the policy provisions.