If disability occurs, would you worry about paying living expenses first, or life insurance premium? Of course the former is far more important. But how to do it if you are disabled and can't even work?
Waiver of Premium for Disability (WPD)
You can choose the WPD rider when you purchase your policy. If you ever become disabled, policy premiums will be waived and the 3 important permanent life insurance benefits will be protected.
Accelerated Benefit Rider (ABR)
If you are certified as chronically ill as you become old, if you purchase the ABR rider associated with the permanent life insurance policy, a portion of your death benefit can be accelerated to help pay policy premiums and other expenses. This is another way to protect the important benefits of your permanent life insurance policy.