While a family income rider is added to a term life insurance policy, family maintenance policies are typically whole life insurance policies. So if you have a family maintenance policy, coverage will last your entire life, unlike a family income policy rider, which won't pay out anything if you die after the term ends. A family maintenance policy allows for the death benefit to be paid out in installments if you die younger than a certain age. If you die when you're older than that age, your beneficiaries will still receive your payout, and it will be paid as a lump sum.