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The Waiver of Monthly Deductions (WMD) rider waives the policy expenses and mortality charges in the event the insured becomes totally disabled.
The Waiver of Specified Premium (WSP) rider provides that a specified premium will be waived in the event the insured becomes totally disabled.
Rider Specifications:
Issue Ages: 0 – 55
Waiver Options:
Monthly Deductions - WMD rider is added to policy and waives the policy expenses and mortality charges.
Minimum Premium – WSP is added to policy and only the minimum premium is waived.
Maximum Benefit – WSP is added to policy and the guideline level premium is waived.
Specified Amount – WSP is added to policy and only the specified amount is waived.
WP Rating: Select a percentage to increase the WP premium due to the applicants rating class.