Which rider pays a death benefit if the insured's spouse dies?

The Family Term Insurance Rider is designed to provide additional coverage for family members, specifically for the spouse and children of the insured. When the insured's spouse passes away, this rider allows for a death benefit to be paid out, thereby offering financial protection and support during a difficult time.

This rider is particularly beneficial for families as it ensures that if something were to happen to the spouse, the remaining family members can receive a financial benefit that helps cover expenses related to the loss. It enhances the insurance policy by extending coverage beyond just the primary insured individual.

The Family Whole Insurance Rider and the Guaranteed Insurability Rider do not specifically focus on providing a death benefit related to the spouse's death. The Payor Benefit Rider focuses on ensuring premium payments are maintained if the primary premium payer becomes disabled or dies, rather than providing death benefits to family members.

Therefore, the Family Term Insurance Rider is specifically aimed at addressing the needs of dependents in the case of the spouse's death, making it the most appropriate choice for this question.