Illinois Life Producer State-designated Practice Exam 2026 - Free Life Producer Practice Questions and Study Guide

An accidental death rider is an example of a policy rider because it is an additional provision that can be added to a basic life insurance policy, enhancing the coverage by providing extra benefits. This rider specifically offers a benefit that is paid out to the beneficiary if the policyholder dies as a result of an accident, thus augmenting the protection beyond what the standard policy offers. Riders allow policyholders to tailor their coverage to better meet their specific needs.

In contrast, an extended coverage policy, a basic life insurance policy, and a term life policy represent standard policy options rather than additional features or enhancements. While they provide various forms of life insurance, they do not include the additional benefits or options that a rider, like the accidental death rider, would provide.