Which type of rider would provide benefits not included in the original policy?

The type of rider that provides benefits not included in the original policy is referred to as a policy rider. Policy riders are add-ons to standard insurance policies that allow policyholders to customize their coverage according to specific needs or preferences. These riders enhance the base policy by providing additional financial protection or tailored benefits that are not otherwise included in the standard terms of the original policy.

For instance, while an accidental death rider may provide a specific benefit if the insured dies as a result of an accident, it is limited to certain conditions. Similarly, a family term rider would add term life insurance for family members, but it still falls within the parameters of life insurance without expanding the overall coverage of the policy itself. The waiver of monthly deductions rider addresses premium payments but does not add new types of benefits. Thus, the policy rider distinctly stands out as it directly modifies or extends the scope of coverage outlined in the original insurance contract.