The policyowner may request waiver benefits by completing and returning the appropriate form. A form may be obtained by contacting Customer Connections, as detailed in the About Assurity section. Forms must be returned to Assurity within 180 days of total disability while the insured is still alive, the total disability still exists, not more than one year after the insured’s 60th birthday and not more than one year after any premium is unpaid.
Until the request has been approved, the policyowner must continue to pay all premiums. When approved, all premiums paid after the date of disability, but no more than one year prior, will be refunded.