Which rider, when added to a permanent life insurance policy, allows for additional temporary insurance?

The term rider, when added to a permanent life insurance policy, provides additional temporary insurance coverage. This rider is essentially a term life insurance policy that is appended to the permanent policy, allowing the policyholder to increase their death benefit for a specified period without undergoing additional underwriting.

This flexibility is valuable, especially for individuals who may need increased coverage during specific life stages or events, like raising a family or buying a new home. By using a term rider, the policyholder can tailor their insurance to their current needs while maintaining their permanent policy's benefits, such as cash value accumulation and lifelong coverage.

Other riders mentioned, such as the change of insured rider, pertain to the ability to change the insured individual on the policy and do not provide temporary insurance. The accidental death and dismemberment rider offers benefits related to accidental injuries or death but does not introduce temporary insurance coverage. The guaranteed insurability rider allows policyholders to purchase additional coverage in the future without proof of insurability but also does not constitute temporary insurance.