A waiver of premium rider is designed to waive premiums when the insured experiences what kind of disability?

• A. completely and permanently disabled
• B. temporary disability
• C. partial disability
• D. disability during a specific period

Answer: (A)

A waiver of premium rider is intended to keep the policy in force when the insured can no longer work due to a total loss of earning power. It waives premium payments so the coverage doesn’t lapse just because the insured is disabled.

The correct choice describes a total loss of income from disability—being completely unable to work in any occupation or perform the essential duties that would earn a living. That level of disability is what the rider is designed to address, so premiums are waived while the disability lasts (often after a waiting period and with proof of disability). Temporary or partial disabilities do not typically trigger the waiver, because the rider aims to protect against permanent or total incapacity rather than short-term or partial impairments. Some policies specify how long the waiver lasts or how disability is defined (own occupation vs any occupation), but the core idea is that total disability qualifies for premium relief.