What is the primary requirement for an insured to be eligible for benefits under the Waiver of Premium provision?

The Waiver of Premium provision is designed to provide financial relief to policyholders who become unable to pay their premiums due to disability. For an insured to be eligible for benefits under this provision, the primary requirement is that they must be under a physician's care. This ensures that the condition leading to the inability to pay premiums is validated by a medical professional, verifying that the insured is truly incapacitated and unable to work.

This provision typically applies when the insured is unable to perform their regular work duties due to a medical condition, and the necessity of being under a physician's care emphasizes the importance of formal medical documentation regarding the insured's health status. It reinforces the process of claiming benefits by mandating a professional assessment of the insured's disability.

Other options revolve around employment, pre-existing conditions, or age, which are not directly aligned with the specific criteria set for the Waiver of Premium benefit. The focus is solely on the medical situation of the insured, confirming that being under a physician's care is the key factor illustrating the need for the waiver of premium payments.