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New york life form for waiver of premium claim

hi i'm byron adele founder and CEO of a q quote since 1986 a q quote has helped hundreds of thousands of people just like you save a fortune on their life insurance most life insurance policies offer an optional feature called waiver of premium this feature was invented years ago when life insurance companies discovered that many of the policies would lapse when their customers became disabled and could no longer work now let's face it when you become disabled and you have no income food and shelter take a front seat and stuff like life insurance typically is scrapped the way this valuable feature works is that if you become totally disabled typically before the age of 60 the life insurance company will literally pay your premium for you beginning in month seven of your disability and they'll continue to pay those premiums for you for as long as you're disabled obviously the terms and conditions vary by carrier but that's generally how it works now here are a few things to consider as you consider whether or not to conclude waiver in your policy one third of all Americans will suffer a disability a long term disability lasting over 90 days between the ages of 35 and 65 second the odds of having a disability prior to age 65 are four times greater than the odds of death before age 65 when a disability strikes the bills won't stop and one less bill to worry about especially since something as important as life insurance is a huge relief waiver a premium is an optional feature but we highly recommend it why because we never know which of our customers are the ones that are going to become disabled now you might be thinking if I don't become disabled this whole features a waste of money and of course that's true but then again if you don't die during the term the whole policies a waste of money we own life insurance to protect ourselves and our families because no one has the answers and in most cases the cost of adding waiver of premium is modest if you have it and you never use it you made a small mistake the cost of needing the waiver and not having it though is large the policy would likely lapse and when you die you would be dying without the coverage enforce when you need it the cost to you and your family could be hundreds of thousands of dollars even millions depending on the size of the policy needless to say we highly recommend including waiver a premium on all policies where it is available if you'd like to learn more about waiver a premium or anything else about life insurance feel free to call us at the number below or visit a Q quote com I hope this was helpful to you and thanks for listening you