Two months before the waiver cut-off date for the waiver of premium rider, if total disability occurs, what happens?

• A. The insured remains eligible for all provisions
• B. The waiver is retroactive
• C. The policy terminates
• D. The premiums increase

Answer: (A)

Waiver of premium keeps a life policy in force when the insured is totally disabled by waiving the premium payments during the disability period. If total disability begins before the waiver’s cut-off date, the rider activates and the policy remains in force with all provisions intact, so the insured continues to have coverage just as before. There’s no retroactive waiver or termination of the policy waiting to happen—the protection simply prevents premium payments while the disability lasts, and the death benefit and other features stay in effect. Once disability ends and the stage under the policy requires, premiums would resume as applicable, while the policy continues to provide the intended benefits.