The waiver of premium does NOT include which provision?

• A. The waiver ends after the disability period
• B. All future premiums are waived if the insured recovers from the disability
• C. The waiver applies to all premiums for the life of the policy
• D. The waiver ends when the insured returns to work

Answer: (B)

Waiver of premium keeps the policy in force by suspending premium payments during a period of total disability, while the coverage remains active. It typically activates after a waiting period and ends when the disability ends or the insured returns to work, with premiums resuming at that point. It does not provide for waiving all future premiums for the life of the policy after recovery. Once the insured recovers, premiums are usually due again, and the policy continues as before. So the statement that all future premiums are waived if the insured recovers is not a feature of the waiver of premium. The other provisions described—ending after the disability period and ending when the insured returns to work—fit how waivers are designed to work.