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okay the disability waiver of premium writer now what the disability waiver of premium Rider does and what you'll have to know to pass your life insurance licensing exam course is that if the primary insured is totally totally disabled for six months sorry I'm making sure my audio records here it's totally disabled for six months or longer than the insurance company will waive the premiums now this is a rider added to a policy just like a tie is added to as an accessory to a suit so if someone gets this on their policy and they add it they have to pay extra every month for this and it means if they are totally disabled that the insurance company will start to pay their premiums that but however they have to be disabled for at least six months and after they have to pay those premiums for those first six months that they're disabled after six months if they're still permanently or totally disabled then they can uh enact this Rider and the insurance company will refund the previous six...
