The waiver of premium does NOT include which provision?

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

Answer: (D)

Waiver of premium keeps the policy from lapsing when the insured becomes totally disabled by suspending premium payments during the disability, so the coverage continues without interruption. The key idea is that the waiver applies only during the period of disability and ends when the insured is no longer disabled, at which point premium payments resume.

Why the statement about recovery is the one that doesn’t fit: once the insured recovers and can return to work, the waiver concludes and premiums are due again. There isn’t a standard provision that continues to waive all future premiums after recovery.

The other provisions describe typical features: the waiver ending when the insured returns to work reflects that the benefit is tied to ongoing disability; premiums are waived only during the disability, not indefinitely; while coverage often continues during disability, it isn’t intended to waive premiums for the life of the policy beyond the disability period.