What type of coverage does a rider typically provide in a life insurance policy?

A rider in a life insurance policy serves as an addition that enhances the base policy coverage. Riders are optional features that policyholders can choose to add to their main policy, providing additional benefits or modifying existing terms. For example, a common rider might provide accelerated death benefits, allowing the insured to access part of their death benefit in case of terminal illness.

This enhancement can be tailored to meet specific needs, such as covering long-term care or adding coverage for accidental death. The flexibility to customize a life insurance policy with riders allows policyholders to ensure their coverage aligns with their individual circumstances and goals.

In terms of the other choices, the concept of a discount on future premiums does not accurately represent what a rider does, as riders typically involve additional coverage rather than financial savings on premiums. A standard feature of every life policy does not apply because riders are optional and not inherently part of all life insurance policies. Lastly, relating to temporary coverage for special circumstances, riders can provide permanent or lifetime enhancements instead of being limited to temporary use.