# WP vs disability rider on life insurance

**URL:** <https://community.goactuary.com/t/wp-vs-disability-rider-on-life-insurance/12274>\
**Category:** Life Insurance\
**Tags:** life-insurance\
**Created:** [October 2, 2025, 11:46pm UTC](https://community.goactuary.com/t/wp-vs-disability-rider-on-life-insurance/12274 "2025-10-02T23:46:53Z")\
**Posts on this page:** 1\
**Page:** 1

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**Author:** ![Hip\_tiger](https://community.goactuary.com/user_avatar/community.goactuary.com/hip_tiger/32/447_2.png) [@Hip\_tiger](https://community.goactuary.com/u/Hip_tiger)\
**Post date:** [October 2, 2025, 11:46pm UTC](https://community.goactuary.com/t/wp-vs-disability-rider-on-life-insurance/12274/1 "2025-10-02T23:46:53Z")

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Waiver of Premium (WP) riders on life insurance are routinely filed without having to justify the rates. Definitions of life insurance in state laws include disability benefits. If a carrier offers DI benefits beyond the WP, are the rates exempt from regulatory review?

(I know that no regulator ever questioned my WP rates. I worked as appointed actuary for a DI carrier, and always wondered about this, but nobody seemed interested in broaching the notion of life DI rider rates exemption.)