{"id":3664,"date":"2025-03-20T17:40:21","date_gmt":"2025-03-20T17:40:21","guid":{"rendered":"https:\/\/wp-dev.zanderins.com\/?p=3664"},"modified":"2025-04-04T21:34:46","modified_gmt":"2025-04-04T21:34:46","slug":"should-i-have-a-spousal-rider","status":"publish","type":"post","link":"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/","title":{"rendered":"Should I Have a Spousal Rider?"},"content":{"rendered":"

\"\"<\/p>\n

A spousal rider isn\u2019t the best choice for life insurance coverage. In most cases, this type of rider ends if the primary insured\u2019s policy expires, lapses, or pays out a death benefit\u2014leaving the spouse without protection when it\u2019s needed most. That\u2019s why the Ramsey team doesn\u2019t recommend them. Spousal riders usually don\u2019t offer cost savings, and many still require the spouse to go through a medical exam and underwriting. Instead of relying on a rider that could disappear at a critical moment, it\u2019s better for each spouse to have their own individual policy<\/a> to ensure they have full, independent coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"

A spousal rider isn\u2019t the best choice for life insurance coverage. In most cases, this type of rider ends if the primary insured\u2019s policy expires, lapses, or pays out a death benefit\u2014leaving the spouse without protection when it\u2019s needed most. That\u2019s why the Ramsey team doesn\u2019t recommend them. Spousal riders usually don\u2019t offer cost savings, […]<\/p>\n","protected":false},"author":5,"featured_media":3759,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[19],"class_list":["post-3664","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-term-life","tag-homepage-blog"],"better_featured_image":{"id":3759,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":740,"height":411,"file":"26-4.png","sizes":{"medium":{"file":"26-4-300x167.png","width":300,"height":167,"mime-type":"image\/png","filesize":90154,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4-300x167.png"},"thumbnail":{"file":"26-4-150x150.png","width":150,"height":150,"mime-type":"image\/png","filesize":40509,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4-150x150.png"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":3664,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4.png"},"acf":[],"yoast_head":"\nShould I Have a Spousal Rider? | Zander Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should I Have a Spousal Rider? | Zander Insurance\" \/>\n<meta property=\"og:description\" content=\"A spousal rider isn\u2019t the best choice for life insurance coverage. In most cases, this type of rider ends if the primary insured\u2019s policy expires, lapses, or pays out a death benefit\u2014leaving the spouse without protection when it\u2019s needed most. That\u2019s why the Ramsey team doesn\u2019t recommend them. Spousal riders usually don\u2019t offer cost savings, […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/\" \/>\n<meta property=\"og:site_name\" content=\"Zander Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ZanderInsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-20T17:40:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-04T21:34:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"411\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aynsley Broom\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@zanderinsurance\" \/>\n<meta name=\"twitter:site\" content=\"@zanderinsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aynsley Broom\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/\",\"url\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/\",\"name\":\"Should I Have a Spousal Rider? | Zander Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/wp.zanderins.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4.png\",\"datePublished\":\"2025-03-20T17:40:21+00:00\",\"dateModified\":\"2025-04-04T21:34:46+00:00\",\"author\":{\"@id\":\"https:\/\/wp.zanderins.com\/#\/schema\/person\/f1a5ff92c07c4bd38143ea9435115263\"},\"breadcrumb\":{\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/#primaryimage\",\"url\":\"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4.png\",\"contentUrl\":\"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213442\/26-4.png\",\"width\":740,\"height\":411},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/wp.zanderins.com\/2025\/03\/20\/should-i-have-a-spousal-rider\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/wp.zanderins.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Should I Have a Spousal Rider?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/wp.zanderins.com\/#website\",\"url\":\"https:\/\/wp.zanderins.com\/\",\"name\":\"Zander Insurance\",\"description\":\"Zander API\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/wp.zanderins.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/wp.zanderins.com\/#\/schema\/person\/f1a5ff92c07c4bd38143ea9435115263\",\"name\":\"Aynsley Broom\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/wp.zanderins.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5f8f1bb3f7f4e5edbb1d64903c1a67c6dce651f88489689d5c945cba363eeb1b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5f8f1bb3f7f4e5edbb1d64903c1a67c6dce651f88489689d5c945cba363eeb1b?s=96&d=mm&r=g\",\"caption\":\"Aynsley Broom\"},\"url\":\"https:\/\/wp.zanderins.com\/author\/abroom\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Should I Have a Spousal Rider? | Zander Insurance","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Should I Have a Spousal Rider? | Zander Insurance","og_description":"A spousal rider isn\u2019t the best choice for life insurance coverage. 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