Waiver of premium rider with disability: which statement is true?

• A. If disabled, premiums are no longer due for the duration of the disability and the policy remains in force.
• B. The rider requires the policy owner and insured to be different people.
• C. The rider automates premium payments during disability.
• D. The rider increases the death benefit during disability.

Answer: (A)

A waiver of premium rider with disability means that once the insured becomes totally disabled, future premiums are waived and the policy stays in force. The coverage continues without lapse during the disability, and no premium payments are required while the disability lasts. This rider does not require owner and insured to be different people, it does not automate premium payments, and it does not increase the death benefit—the benefit amount remains the same. The true statement is that premiums are waived for the duration of the disability and the policy remains in force.