The new premium may be increased on subsequent policy anniversaries to the maximum premium levels printed in the contract and sales illustration. An increase in the premium will not result in an increase in benefits. The following benefits are subject to underwriting . Waives the payment of all premiums that come due during the disability of the insured person. For premiums to be waived, total disability must exist continuously for a period of six months and result from an accident or sickness.
Total disability is defined in the terms of the policy contract.
Available for insured persons 18-59. Available for insured persons ages 18-60. Premiums for this benefit are payable for the lesser of 10 years or to age 65. This benefit is required when both Waiver of Premium and Indexed Protection Benefit are present. Available for insured persons ages 18-59.