{"id":3563,"date":"2022-12-13T17:22:58","date_gmt":"2022-12-13T17:22:58","guid":{"rendered":"https:\/\/wp-dev.zanderins.com\/?p=3563"},"modified":"2025-04-03T21:48:50","modified_gmt":"2025-04-03T21:48:50","slug":"does-dave-recommend-waiver-of-premium-riders","status":"publish","type":"post","link":"https:\/\/wp.zanderins.com\/2022\/12\/13\/does-dave-recommend-waiver-of-premium-riders\/","title":{"rendered":"Does Dave Recommend Waiver of Premium Riders?"},"content":{"rendered":"

\"\"<\/p>\n

 <\/p>\n

Dave Ramsey does not recommend purchasing \u201cwaiver of premium\u201d riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. However, the definition of \u201cdisability\u201d is so strict that very few people actually qualify. In addition, term life insurance rates are typically very low and can be funded by your emergency fund if you have short-term income issues, then through your long-term disability insurance<\/a> if loss of income due to disability continues for a longer period.<\/p>\n","protected":false},"excerpt":{"rendered":"

  Dave Ramsey does not recommend purchasing \u201cwaiver of premium\u201d riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. […]<\/p>\n","protected":false},"author":5,"featured_media":3538,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-3563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-disability"],"better_featured_image":{"id":3538,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":740,"height":411,"file":"Does-Dave-Recommend-Waiver-of-Premium-Riders.png","sizes":{"medium":{"file":"Does-Dave-Recommend-Waiver-of-Premium-Riders-300x167.png","width":300,"height":167,"mime-type":"image\/png","filesize":79567,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181646\/Does-Dave-Recommend-Waiver-of-Premium-Riders-300x167.png"},"thumbnail":{"file":"Does-Dave-Recommend-Waiver-of-Premium-Riders-150x150.png","width":150,"height":150,"mime-type":"image\/png","filesize":39678,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181646\/Does-Dave-Recommend-Waiver-of-Premium-Riders-150x150.png"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":3517,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181646\/Does-Dave-Recommend-Waiver-of-Premium-Riders.png"},"acf":[],"yoast_head":"\nDoes Dave Recommend Waiver of Premium Riders? | Zander Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Dave Recommend Waiver of Premium Riders? | Zander Insurance\" \/>\n<meta property=\"og:description\" content=\"  Dave Ramsey does not recommend purchasing \u201cwaiver of premium\u201d riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. 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