The waiver of premium rider may be included in any
life insurance policy
you choose to purchase. It simply states that in the event you become
disabled while you own your policy...as long as you are disabled for a minimum of 6 months...the
life insurance company will waive your premiums for as long as your
It does not matter how long you are disabled...you will not be required to pay the premiums. Upon recovery you pick up your payments again. You will owe no debt to the insurance company. The cost of the waiver of premium rider is minimal.
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The rider can be added to any life insurance policy whether whole life or term. Variable life, variable universal life and variable universal life can also have the waiver of premium rider added but only to the portion of premium that is applied to life insurance.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.