a) Sometimes you can to take out a Waiver of Payment option on your life insurance or mortgage life insurance. This means you do not have to pay your premiums if you suffer an illness or accident which stops you working for more than six months.

b) You must continue to pay your premiums for a specified period if you are incapacitated.

c) Your premiums are waived after that period if you are unable to work because of incapacity.

d) If you are not in work, then your premiums are waived if you are unable to perform three or more functional assessment tests.

e) The provider will normally continue to waive premiums until one of the following occurs: