# \#life-insurance **URL:** https://community.goactuary.com/tag/life-insurance/83.md [Latest](https://community.goactuary.com/latest.md) · [Categories](https://community.goactuary.com/categories.md) · [Tags](https://community.goactuary.com/tags.md) --- ## [WP vs disability rider on life insurance](https://community.goactuary.com/t/wp-vs-disability-rider-on-life-insurance/12274)
**Author:** [@Hip\_tiger](https://community.goactuary.com/u/Hip_tiger)\ **Replies:** 0\ **Last updated:** [October 2, 2025, 11:46pm UTC](https://community.goactuary.com/t/wp-vs-disability-rider-on-life-insurance/12274 "2025-10-02T23:46:53Z")
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…