Term riders are commonly attached to which type of life insurance policy?

Term riders are typically attached to permanent life insurance policies such as whole life, not to term life policies themselves. The purpose of a term rider is to provide additional coverage for a specific period, usually at a lower cost compared to buying a separate term policy.

When a term rider is added to a whole life policy, it allows the policyholder to have a mix of permanent coverage (from the whole life component) and temporary coverage (from the term rider) that can be useful to meet short-term insurance needs, such as covering a mortgage or providing extra benefits during a child's early years.

In this context, the whole life policy serves as the foundational insurance, while the term rider supplements it as needed, allowing for flexibility and additional financial security. This structure makes term riders a functional complement to whole life insurance but not typically associated with term insurance itself, which already provides coverage for a set term without the need for a rider.