Which provision allows continuous coverage even when premiums are waived due to disability?

The provision that allows for continuous coverage even when premiums are waived due to disability is known as the Waiver of Premium. This feature is crucial in insurance policies, particularly life and health insurance, as it ensures that if a policyholder becomes disabled and is unable to pay premiums, their policy remains in force without the need for premium payments.

This provision is particularly beneficial for individuals who may face long-term disabilities that prevent them from earning income. By waiving the premium payments during such difficult times, the insurance company supports policyholders in maintaining their coverage, thereby protecting their beneficiaries from losing vital benefits due to the financial impact of a disability.

Other options, like Free Look, typically involve a period during which the insured can review the policy and choose to cancel it for a full refund if they are not satisfied. Risk Assessment pertains to evaluating the potential risks and insurable interests, while Accident Insurance specifically relates to coverage for accidents rather than the broader scope of disability and premium waivers.