What Is A Child Rider On Term Life Insurance? 
A child rider is a rider attached to the Term Life Insurance policy that would pay a death benefit upon the passing of a child on the rider . One rider covers all the children in a family . It covers biological and adopted children and children for whom the policy owner is guardian . They must usually be younger than 17 or 18 to be put on a child rider . Generally , the child rider will allow the child to take out 5 times the rider 's amount in permanent insurance , rated Standard , regardless of health at the time of the policy conversion . This must be done prior to a certain age , usually in the 20 's . Each policy is different so read the fine print or ask your agent to explain your particular rider . 