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Chad is seriously injured from an auto collision, 10 years after the policy was issued. After six months, he is still unable to work and

Chad is seriously injured from an auto collision, 10 years after the policy was issued. After six months, he is still unable to work and does not have money to pay insurance premiums. Which optional benefit should he have added to his policy that would have allowed him to keep the insurance policy as is without paying premiums in this situation?

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