Children's riders attached to whole life policies are generally issued as what type of insurance?

Children's riders attached to whole life policies are typically issued as term insurance. The main purpose of these riders is to provide a temporary death benefit for a specified period, covering the insured children. Term insurance features a set term length during which the coverage is active, and it is specifically designed to provide insurance coverage for a finite amount of time without accumulating cash value, similar to how a standard child's rider functions within a whole life policy framework.

This makes it different from whole life, universal life, or variable life insurance, which are designed to provide lifelong coverage and often include components such as cash value accumulation. The children's rider adds a layer of protection for children at a relatively low cost and provides peace of mind to the policyholder during the term of the children's coverage.