How long are premiums waived for a permanent and total disability?
永久和完全残疾的保费可以免除多长时间？
If total disability occurs between the ages of 60 and 65, premiums will be waived until the age of 65 or for two years, whichever comes first.
如果完全残疾发生在 60 至 65 岁之间，保费将被豁免至 65 岁或两年，以先到者为准。