I previously worked for NWMF and the cost of the rider is probably the cheapest I've seen for this type WOP. Def must be done with caution, I've seen guys convert policies with the WOP, and like we all know, disabilities dont always last a lifetime, therefore, the premium is now due if it was converted from term to perm. Penn mutual offers a similar rider but its much more expansive.
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expensive***
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expensive***
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