Life Insurance question

[Scott at MD Financial Services]

I would typically say NO.  If you want to spend the $50 per month on a 'disability plan' then buy a disability plan for $50 a month, probably will get $1k-$2k in benefit then you can pay that life premium out of that and have a ton of money left over to spend as you like/need.

[OrthoInAL]

Is waiver of premium worth it? My understanding is this is a rider that says the insurance company will pay the premium if you become disabled. It's adding an extra ~$50/month to our policies.