Waiver of premium benefit

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Waiver of premium

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Waiver of premium is a small additional benefit that can be added to most life insurance plans if not all of them.

This benefit allows for the premiums of the life insurance plan to be paid in the event you are unable to work due to sickness or disability.

Waiver of premium works simply, the insurance company charges an additional amount of money on your premiums for the benefit normally no more than about 2% of the overall premium. In return they ensure that in the event you are unable to work due to sickness or disability for a period of 3 to 6 months (varies from insurer to insurer) they pay the premiums to the plan on your behalf.

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