Spouse Rider

A rider that adds a modest amount of coverage on your spouse to your own life policy — cheaper and simpler than a separate policy, though usually smaller.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.