A child rider is an add-on feature that can be included in a term life insurance policy. It provides coverage for the lives of the insured's children. If a child covered by the rider were to pass away during the policy term, the policyholder would receive a benefit payout. The purpose of a child rider is to provide financial protection to the insured in the unfortunate event of a child's death. It can help cover funeral expenses or provide financial support during a difficult time. It's important to note that a child rider typically covers all eligible children of the insured, regardless of the number. However, there are usually age limits for coverage, such as children being covered until they reach a certain age, like 18 or 25. It's advisable to carefully review the terms and conditions of the child rider before adding it to a term life insurance policy.