What may trigger the use of the waiver of premium rider on a policy?

The use of the waiver of premium rider is triggered by the total disability of the insured. This rider is a policy provision that allows the policyholder to stop paying premiums during a period of total disability, which ensures that the insurance coverage remains in force despite the insured's inability to work or earn income. This is particularly important as it provides financial relief and peace of mind in a difficult situation, maintaining the life insurance policy even when the insured can no longer afford premium payments due to their disability.

In contrast, temporary job loss, policy loan borrowing, and change of employment status do not typically affect the premium payments in the same manner. These situations may impact the financial situation of the insured, but they do not inherently trigger the provisions of waiver of premium. Total disability specifically addresses a condition where the insured is unable to perform any work, thus making it the key factor for utilizing this rider.