Waiver of Premium on Joint, Last-to-Die Coverage
You may apply for the Waiver of Premium rider on one or both lives covered on a Joint, Last-to-Die plan. If Waiver of Premium is purchased on only one life, premiums will be waived only in the event of total disability of that person. If purchased on both lives, we will waive the premium if either partner becomes totally disabled under the terms of the contract. Benefits are not payable for death due to self destruction within two years of effecting your coverage.