what are the claim requirements 
typically to file a claim a holder must submit a physician s statement and notice from the social security administration ssa confirming the disability the waiver of premiums allows the redirection of limited personal funds to palliative care personal finances and living expenses the bottom linea waiver of premium policy maintains your life insurance policy if you become unable to work so that you can use your cash flow for critical needs with whole life insurance policies it will allow you cash component to continue to grow in these ways waiver of premium riders can provide an important financial asset for many people consider consulting with a financial advisor to determine whether a waiver of premium policy is right for your situation 