Series 65: 3.8.3.7 Waiver Of Premium

Taken from our Series 65 Online Guide

3.8.3.7 Waiver of Premium

A premium waiver is a rider on an insurance policy that waives the insured’s future payments if she becomes seriously ill or disabled. This allows individuals to benefit from their insurance policies, even when they are unable to work.

SUMMARY TABLE
Advantages and Disadvantages of Variable Life Insurance Products
Advantages	Ability to choose how the money will be invested to better meet the policyholder’s goals
	Minimum death benefit
	Ability to earn a higher death benefit and cash value on the account
	Ability to exchange the variable policy with a whole life policy within the first two years of the policy
	Voting rights
	Greater chance to beat inflation on cash value and death benefit

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