Which benefit supplement added to a life insurance policy insures an entire family?

The family term rider is designed to extend coverage not just to the policyholder but also to their family members, typically including a spouse and children. This rider functions as an additional layer of coverage, allowing the insured family members to receive a death benefit in the event of their passing during the specified term, which aligns with the family's overall insurance needs.

This rider is particularly beneficial for families as it offers a more economical solution to cover multiple individuals under one policy, rather than requiring separate life insurance policies for each family member. It also allows families to maintain financial security in the unfortunate event of a loss, ensuring that dependents are financially cared for.

Other options like the level term rider focus solely on providing a death benefit for the policyholder for a set term, while an accidental death benefit rider only pays out if the insured suffers a fatal accident. The waiver of premium rider can provide relief from premium payments if the policyholder becomes disabled but does not directly relate to insuring family members. Thus, the family term rider distinctly stands out as the correct choice that covers an entire family under a life insurance policy.