If the policy holder keeps paying the premiums until the insurance company makes the cancellation, then there are usually no fees. (secureseniorlifeinsurance.com)
Which means, you need to keep paying your premiums for life insurance for the first 6 months you are disabled. (term-life-online.com)
Just keep paying the premium amount of Rs 5 lakh every year and you can expect a pay back of Rs 1 crore after 15 years. (policyx.com)