Denis and Stephanie, a young couple, have decided that Stephanie will be a stay at home Mom. Denis is concerned that should Stephanie pass away, he would not be able to afford the expense of child care and domestic help. They have decided to apply for a $500,000 Term 20 Convertible on Stephanie’s life. Denis will be the insured. They are considering choosing a waiver of premium for Total Disability Benefit and are asking you detailed questions. Which of the following correctly describes the Total Disability Benefit on their policy?

a) the total disability benefit will pay out if Stephanie becomes totally disabled

b) the total disability benefit will payout if Denis becomes totally disabled

c) at the end of 20 years, if premiums were being waived, the waiver will end

d) premiums will be waived immediately upon proof of the total disability