This benefit waives future premiums in the event of the owner's total disability.

Issue Ages - (Age nearest)
 

• Age 18 to 55
  
  

Sum Insured
 

• Total premium of contract
   

Benefit Cost
 

• Level and guaranteed
• Ceases to be payable when the policyholder turns 60
  (Age 65 for T10 and T20)
    

Termination of Coverage
 

• Age 60 (the illness must be diagnosed before age 60)
  (Age 65 for T10 and T20)
• End of benefit payments: death of insured person, expiry of contract or end of disability (see contract for other situations where coverage ends)
   

Characteristics
 

• Total disability
• STD: main occupation 24 months
• LTD: any occupation vs training, education and experience