If an insured and their spouse want to insure their child for a limited period, which rider would be appropriate?

The appropriate choice for insuring a child for a limited period is the children term rider. This rider allows parents to add coverage for their children to their existing life insurance policy. It typically provides a death benefit specifically for the insured children, often at a lower cost than obtaining separate policies for each child. The term nature of this rider means that it covers the children for a predetermined time, after which the coverage may expire or convert to permanent insurance at the parents' discretion.

This rider is particularly useful for parents seeking affordable insurance that provides financial protection for their child during their formative years, without committing to a lifelong policy. The rider’s feature of being temporary aligns perfectly with the need to insure a child for only a limited period, fulfilling the parents' requirements efficiently.