Which of the following riders provides coverage only when certain conditions are met, often requiring proof of insurability?

The correct choice relates to how specific riders function within life insurance policies. A term rider is often added to a life insurance policy to increase coverage for a limited period or under specific conditions. It typically requires evidence of insurability to activate coverage or if the term is extended. This means that if the insured wants to benefit from the term rider, they may need to demonstrate that they still meet the insurer's health criteria.

In contrast, a guaranteed insurability rider allows the policyholder to purchase additional coverage at scheduled times without needing to prove insurability, which makes it less conditional. A change of insured rider permits a policyholder to replace the insured with a new individual without requiring health evaluations for the new insured. The accidental death rider adds extra benefits if the insured dies from an accident, but this does not involve conditions tied to proof of insurability.

Consequently, the term rider stands out because it explicitly hinges on circumstances that necessitate proof of insurability, reflecting the unique nature of its function in relation to the others listed.