Final answer:
The rider that adds additional temporary death coverage is a term insurance rider. It enhances a life insurance policy by providing extra death benefits during a specific time frame and pays out along with the base policy's death benefit if the policyholder dies within that time.
Step-by-step explanation:
The type of rider that adds additional coverage for death, over and above that provided by the base policy, for a limited period of time is known as a term insurance rider. This type of rider is an endorsement to a life insurance policy that provides additional death benefit coverage for a specified period of time. If the policyholder dies within this period, the death benefit from this rider is paid out in addition to the base policy's death benefit, effectively increasing the payout when it occurs.
Term insurance riders are useful for covering temporary needs that may exceed the coverage of the base policy, such as a mortgage or education expenses for dependents. Cash-value (whole) life insurance is different as it not only has a death benefit but also accumulates cash value over time, which can serve as a financial account for the policyholder's use.