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okay the waiver of monthly deductions Rider is typically associated with universal life or variable universal life policies now what this does in a universal life and variable universal life policy there are charges that are built in there are Insurance expenses premium loading charges theres all these different expenses that are built in and riders that if it will cover those but it wont pay any additional premium that would accumulate cash value so if you remember Universal Life policies which if you click right here you can learn about Universal Life policies the Universal Life policies have a flexible premium so you can pay just enough to get buy and cover the expenses or you can pay more and it will increase and accumulate start accumulating cash value so this waiver of monthly deductions writers for Universal Life policies so that theyre gonna they say hey if youre permanently disabled in for for six months or more from totally disabled sorry if youre totally disabled for si
