S$$bastien is married and has two children, ages $3$ and $5.$ His father died

recently of a heart attack. He then learned that two of his uncles have been

suffering from heart problems for several years. His father had become

disabled at age $54$ as a result of his heart problems. S$$bastien has no

symptoms of heart disease right now, but he would still like to protect his

family's financial security should he become disabled as the result of a heart

attack.

What rider or benefit should S$$bastien add to his life insurance policy?

A $10-$year term life insurance rider

A family or child coverage rider

An accidental death or dismemberment benefit

A dread disease$/$critical illness benefit