If you become disabled, you will presumably be unable or only partially able to work. This will also affect your income. You may then also be unable to finance the premiums for your pension solution. And that will have a direct impact on your savings goal.
A premium waiver allows you to safeguard the process of saving under your life insurance policy for precisely this event. Should you become disabled, Helvetia covers the premium payments for you to the extent that you have lost capacity to earn. Unlike with a conventional method of saving, such as a bank account, the premium waiver means that you will reach your savings goal safely with a life insurance policy.