What is the primary function of the Return of Cash Value Rider?

The primary function of the Return of Cash Value Rider is to pay the cash value of the policy in addition to the face amount upon the death of the insured. This rider enhances the financial benefit to the beneficiaries by ensuring they receive not only the death benefit but also the accumulated cash value that has been built up in the policy.

This is particularly advantageous for policyholders who wish to leave a more substantial legacy or financial support to their loved ones, as the cash value can represent a significant portion of the total value of the policy. By incorporating this rider, the policyholders can ensure that beneficiaries receive a more comprehensive payout that recognizes the growth of the cash value over time.

The other choices represent different functions or features of life insurance policies but do not correctly describe the primary purpose of the Return of Cash Value Rider. Some options might focus on debt coverage, increasing cash value, or providing loans against the cash value, which are separate benefits not specifically related to the cash value rider's intent.