What action does an insured need to take if they become totally disabled in relation to premium payments?

An insured who becomes totally disabled typically benefits from a provision in their policy that waives premium payments during the period of their total disability. This feature is included in many insurance policies to support individuals who are unable to work and earn income due to a medical condition. By waiving the premiums, the insurance company ensures that the coverage remains in force without financial strain on the insured, allowing them to maintain their policy benefits even during challenging times.

Continuing to pay premiums, allowing the policy to lapse, or expecting a refund of premiums are generally not applicable under standard conditions of total disability in most insurance contracts. Therefore, the option that states the premium payment will be waived is aligned with common practice in insurance policies designed to provide financial relief to policyholders facing debilitating circumstances.