No ROC is paid if the insured stops paying premium prior to his/her death (e.g., lapsed coverage while living, request termination, in NFO status), except during a premium waiver when allowable per certificate language.
No ROC is paid if the insured stops paying premium prior to his/her death (e.g., lapsed coverage while living, request termination, in NFO status), except during a premium waiver when allowable per certificate language.