Which of the following covers the risk of premature death in a life insurance policy?

Term insurance specifically addresses the risk of premature death by providing a death benefit to the policy's beneficiaries if the insured individual passes away within a specified term, which can range from one year to several decades. This type of policy is designed to offer protection for a certain period, making it a cost-effective way to ensure that loved ones receive financial support in the event of an untimely death.

In contrast, other options like a disability rider focus on providing benefits in the event of the policyholder's disability, and an accelerated benefit rider allows for access to death benefits under certain conditions, such as terminal illness. The extended coverage option typically pertains to extending the duration or amount of coverage beyond the primary policy term but does not specifically target the risk of premature death like term insurance does. Thus, the primary purpose of term insurance is to provide a safety net against the financial consequences of dying too soon, making it the correct choice in this context.