The benefit supplement attached to a life insurance policy which insures all members of a family is called a:

A family term rider is a specific type of life insurance supplement that adds term life insurance coverage for the insured's spouse and children to the primary insured's policy. This single rider consolidates coverage for the entire family unit, typically offering a certain amount of coverage for the spouse and a smaller, uniform amount for each child. It is designed as a convenient and cost-effective way to provide protection for all family members under one policy structure. The children's coverage is usually convertible to a permanent policy without evidence of insurability upon reaching a certain age.

A. Spouse term rider: This rider provides term life insurance coverage exclusively for the insured's spouse and does not include coverage for any children.

B. Children’s term rider: This rider provides term life insurance coverage exclusively for the insured's eligible children and does not include coverage for the spouse.

D. Survivorship term rider: This is not a standard rider type. It is conceptually related to a survivorship (or second-to-die) policy, which insures two lives and pays upon the second death.

1. Black, K., Jr., & Skipper, H. D., Jr. (2000). Life and Health Insurance (13th ed.). Prentice Hall.

Page 121, Chapter 7, "The Life Insurance Product: Riders": The text describes the "family rider" as providing term insurance on the lives of the insured's spouse and children. It explicitly states this rider combines the functions of a spouse rider and a children's rider into a single package.

2. Vaughan, E. J., & Vaughan, T. M. (2013). Fundamentals of Risk and Insurance (11th ed.). John Wiley & Sons.

Page 438, Chapter 21, "The Life Insurance Contract—General Provisions": The book discusses various riders, explaining that a family rider adds term insurance on the spouse and children to a permanent policy on the primary insured. This aligns with the concept of insuring all family members.

3. The American College of Financial Services. (2018). HS 323: Individual Life Insurance. Courseware.

Module 3, Section on "Life Insurance Riders": The course materials define the family rider as an endorsement that provides term insurance on the spouse and children of the primary insured. It is presented as a comprehensive solution for family coverage under a single policy.