LAY OFF WAIVER 

• Pays for your policy (up to 3 months) should you become laid off

• It pays the premiums for EVERYONE in the home who has a policy with us

• These premiums NEVER need to be paid back

STRIKE WAIVER ( Union only)

• Pays for your policy for the duration of a strike

• Premiums NEVER need to be paid back

WAIVER OF PREMIUM (55 & younger)

• Pays for the policy for the rest of your life should you become disabled before the age of 60

TERMINAL ILLNESS 

• Pays 50% of policy’s face value upfront if declared terminally ill