What characteristic is true about a spouse term rider?

A spouse term rider is typically designed to provide a death benefit for the policyholder's spouse, often during a specified term. The most common type of coverage offered through such riders is level term insurance. This means that the death benefit remains constant throughout the life of the term, making it predictable and easier to manage for policyholders.

Level term insurance is favored for spouse term riders because it aligns with the need for stable coverage costs and benefits, allowing the policyholder to ensure that if anything were to happen to their spouse within the term, financial support can be provided to dependents or cover expenses without unexpected increases in premium costs or changes in coverage amounts.

While variable term insurance adjustments can cause fluctuations in coverage, and whole life insurance is more structured and permanent, these characteristics do not typically apply to spouse term riders. Typically, a decreasing term would not fulfill the needs of a spouse rider, which aims for a set amount of coverage rather than a diminishing benefit. Thus, the nature of a spouse term rider clearly aligns with the principles of level term insurance.