Waiver of premium is actually a way of protecting your premium. If something unexpected happens and if in any case you will no longer be able to continue paying your life insurance premium, it is advantageous if you already have a waiver of premium rider. You are confident then that your insurance will not be cancelled even if you will not pay the premiums. And you can claim your benefits after six months since the time you become disabled. But of course, the insurance company will do their own way of verifying your disabilities and being not able to work. You and your agent should have an open communication regarding all concerned matters.