In the context of life insurance, what does the term "rider" specifically refer to?

The term "rider" in life insurance specifically refers to a supplementary benefit or clause added to the main policy. This additional provision modifies the original insurance contract and can enhance the coverage by providing extra benefits or features. Riders can address specific needs or circumstances of the policyholder, such as adding coverage for critical illness, accidental death, or disability benefits.

Choosing "an endorsement in a policy" conveys a related idea since riders often represent a formal addition or amendment to the policy. However, the distinct definition of a rider emphasizes its role as a supplemental benefit specifically designed to extend or enhance the primary coverage of the life insurance policy, making option A the most precise choice for this question.