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Glossary of Insurance Terms

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Waiver of Premium Rider (WP): An optional policy rider that provides for the continuation of life insurance coverage without further premium payments if the insured becomes totally disabled.

War Clause: A provision in a life insurance policy excluding the liability of an insurance company if the insured's death is the direct result of a war.

Whole Life Insurance: A type of permanent life insurance which provides a level death benefit upon the insured's death, or a cash endowment upon policy maturity that is equal to the death benefit. Whole life insurance policies also accumulate cash values.

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