A disability waiver of premium rider states that if the policyholder becomes totally disabled either from illness or injury, then the policyholder doesn’t have to pay premiums for the duration of the disability (if the disability lasts for longer than 6 months, the policyholder will receive a full refund from date of disability). Those who think they would be in danger of not being able to afford the premium if they were to become disabled may want to consider this option. Note: This rider is available with an additional monthly fee for applicants under the age of 50, in limited states (CA, DC, DE, FL, ND, NY and SD).