Under a waiver of premium rider, after disability period ends, what must the insured do?

• A. Stop premiums permanently
• B. Resume premium payments
• C. Convert policy to paid-up
• D. Begin paying premiums as they become due

Answer: (D)

When you have a waiver of premium, the insurer pays your premiums while you’re disabled. Once the disability ends, you return to the normal premium schedule. You must begin paying premiums as they come due to keep the policy in force. The waiver doesn’t permanently stop payments, nor does it automatically convert the policy to paid-up; it simply suspends them during disability and requires you to resume on the original due dates after recovery. If you don’t resume on the due dates, the policy could lapse.