A waiver of premium rider's trigger is disability

• A. completely and permanently disabled
• B. partially disabled
• C. the insured reaches age 65
• D. unable to work temporarily

Answer: (A)

The key idea is that a waiver of premium activates only when the insured suffers a total, permanent disability. In this context, totally unable to engage in any substantial occupation and not expected to recover qualifies as the trigger. When that happens, premiums are waived so the policy remains in force without interruption while the disability lasts. Temporary or partial disabilities, or simply reaching a certain age, generally do not qualify for the waiver. Because the rider is designed to kick in only under a state of complete and permanent disability, that option best fits the rider's purpose. This is why the trigger described as completely and permanently disabled is the correct choice.