Waiver of Premium

If you are under age 65 and become totally disabled* while you are insured under this plan and satisfactory evidence of your total disability is provided to Chubb Life Insurance Company of Canada on an annual basis, payment of premium will be waived until the earlier of the following occurs:

1. you return to active employment with your employer;
2. you attain age 65;
3. the master policy underwritten by Chubb Life Insurance Company of Canada is terminated.

Once you return to active employment with your employer, your coverage will continue only upon the commencement of premium payments.

*You will be considered totally disabled if you are unable to engage in any business or occupation and perform in any work for compensation or profit for a time period in accordance with the waiver of premium requirements under the Group Life Insurance policy issued to your employer.