Waiver of premiums

When the insured person is disabled, the policyowner will stop paying their policy premiums at the end of the waiting period and during the benefit period.

If they're receiving more than one monthly amount, the waiver of premiums begins at the end of the shortest waiting period and stops at the end of the longest benefit period.

This policy does not refund portions of premiums paid in advance nor does it bill portions of paid premiums paid by the waiver of premium coverage when the disability ends.