What type of insurance rider typically offers reduced premiums for non-smokers?

The Preferred Risk Rider is specifically designed to provide lower premium rates for individuals who are considered lower-risk applicants, including non-smokers. Insurers recognize that non-smokers typically have a lower risk of health complications associated with smoking, which justifies offering them reduced premiums. This rider allows insurance companies to incentivize healthier lifestyle choices by rewarding non-smokers with more favorable terms.

In contrast, other options do not directly relate to the adjustment of premiums based on smoking status. A Health Rider typically adds specific health-related coverage rather than altering premiums. A Discount Rider may provide a general discount but does not explicitly focus on non-smoker status. A Term Rider usually pertains to a specific term of coverage without the premium adjustments related to lifestyle choices. Thus, the Preferred Risk Rider is the most appropriate choice for offering reduced premiums for non-smokers.