What type of rider provides additional temporary insurance on an insured without requiring a new policy?

The correct answer is term riders. This type of rider allows for the provision of additional coverage on the existing life insurance policy, providing temporary insurance that is effective for a specified period. It serves as an enhancement to the base policy, enabling the insured to cover specific needs, such as a short-term financial obligation or a temporary change in circumstances, without necessitating the creation of a new policy.

Term riders are often used to provide additional coverage during high-need periods, such as when a policyholder has additional dependents or significant debt. They function effectively because they can be attached to a permanent policy and offer a cost-effective way to secure extra coverage without the need for a separate medical underwriting process.

In this context, the other options do not fit the definition of providing temporary insurance without requiring a new policy. Additional insured riders typically add coverage for another individual, spousal riders provide benefits related to the insured's spouse, and accidental death riders increase the death benefit in the event of a death due to an accident, but none of them effectively align with the concept of temporary additional insurance as directly as term riders do.