Which of these riders will pay a death benefit if the insured's spouse dies?

The family term insurance rider is designed to provide additional coverage that pays a death benefit not only for the insured individual but also for the spouse and potentially dependent children. When the spouse of the insured passes away, the family term rider ensures that a benefit is paid out to the policy's beneficiary. This rider effectively extends the policy's coverage to include family members, highlighting its purpose in protecting the financial interests of the insured's family unit.

The other options listed do not serve this function. The payor benefit rider typically waives premium payments if the policyholder becomes disabled or dies, rather than providing a death benefit for a spouse. The guaranteed insurability rider allows policyholders to purchase additional coverage at specified times without having to prove insurability, but it does not directly pay a death benefit for the death of a spouse. Lastly, the family whole insurance rider would generally apply to whole life policies, and its specific provisions may vary, but it usually does not provide benefits for the spouse's death in the same manner as the family term insurance rider. Thus, the family term insurance rider is the correct choice for providing a death benefit in the event of the spouse's death.