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I would surprised if the waiver is not paid. I can not think of any waiver claim that has been declined.
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"I would surprised if the waiver is not paid. I can not think of any waiver claim that has been declined."
We'll see, you guys will be the first to know. The question really is how hard they stick with "any occupation".
I had written a large response, but computer problems blanked it out of course...
But the question really is has technology made "any occupation" an unanswerable question where going on claim would happen?
DHK's example is more appropriate for the times. My policies are close to 30 years old and I have put clients with back injuries on Waiver of Premium before (years ago),but that was before all the stuff we have now existed.
You hope they do the right thing, but you never know. I am not permanently disabled as I hope to walk soon. In July I get fitted for a new foot and hope to be walking at least a short bit and driving by end of August.
This has been an interesting and trying experience at the same time. Imagine having to ask for help doing the most simple things in your life. Having to wait for help rather than simply walk over and get what you want, no matter how trivial it is at the moment. It's important to you.
I always wanted to have my wife take a shower with me and for most of our 32 years she declined. Now she has to be there to "watch" me and help me in and out of the shower. And there's not a damn bit of it that is sexy, let me tell you..
Cheers all.
WP rider on permanent life insurance plans allows continuous savings regardless of other bills.
Only to a point. The majority of policies do not cover a fully overfunded premium contribution, especially for IUL. And the ones that do for IUL are usually not great products.
Although for WL, Guardian has a normal WP plus a PUA WP that you can add on.