Waiver of Premium

If you become Totally Disabled while insured and before your 70th birthday, your insurance may be continued without payment of premiums, while you remain Totally Disabled following a 180-day Waiting Period.




Accelerated Benefits

If you qualify for Waiver of Premium and you give The Standard proof of having a Qualified Medical Condition (you are terminally ill, with a life expectancy of less than 12 months), you may have the right to receive during your lifetime a portion of your insurance as an Accelerated Benefit of up to 75% of your insurance. The minimum is $5,000 or 10% of your insurance, whichever is greater.




Portability of Insurance

You may continue your insurance if your employment terminates, subject to the following:

  1. You must be able to perform with reasonable continuity the material duties of at least one gainful occupation for which you are reasonably fitted by education, training and experience on the date your employment terminates.
  2. To continue insurance under this provision you must apply in writing and pay the first Portability Premium within 60 days after your employment terminates.