What type of rider was included in S's Whole Life policy?

The Return of Premium rider is designed to provide the policyholder with a refund of premiums paid if certain conditions are met, typically if the insured outlives the policy term. In the context of a Whole Life policy, this rider can enhance the policy’s appeal by adding a degree of financial security, allowing the policyholder to receive a portion of their investment back if the policy remains active for a specified time frame. This contrasts with other riders, such as the Accidental Death rider, which provides additional coverage in the event of accidental death, or the Waiver of Premium rider, which allows for premiums to be waived in the event of disability. The Child rider, meanwhile, provides coverage for children but does not affect the return of premiums aspect. The inclusion of the Return of Premium rider reflects a focus on the policyholder’s long-term financial planning and assurance, making it a valuable addition to the Whole Life policy.