Any provision included within or as a rider to an insurance policy providing that, when specified conditions exist, the policy will continue in force without further premium payment. When the specified conditions no longer exist, the insured person resumes paying premiums.

A provision available in many life insurance policies and in disability income health policies that exempts the insured from the payment of premiums after he or she has been disabled for a specified period of time (usually six months in life policies and 90 days or six months in health policies).

A provision in a life insurance policy wherein the coverage continues without further premium payments (premiums coming due are waived) if the insured becomes disabled as defined in the policy.

A provision in a life insurance policy stating that, upon the total disability of the insured, the payment of premiums shall be waived.

In long-term care (LTC) insurance, a policy provision that allows an insured person to stop paying premiums at a specified point while the insured person is receiving long-term care and the policy is making benefit payments.