Mortgage protection policies typically include benefits
unavailable on straight life insurance products, options such
as the return of premium, critical illness availability, terminal illness, confined care
riders, and a simplified non-medical application process.
In case this
rider is
unavailable and you are disabled and are eventually not able to pay the premiums, the policy would expire and you will not get any death benefit at the time of your death
as due to non-payment of premium the policy expires and the cover stops.