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Which of the following is true regarding the premium waiver rider available as a rider to a life insurance policy? Select one: a . waives

Which of the following is true regarding the "premium waiver" rider available as a rider to a life insurance policy?
Select one:
a. waives the premium when the cash value reaches a certain level
b. waives the premium if the insured loses his/her job
c. waives the premium when the insured is disabled
d. waives the premium when the premium loan provision is exercised
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