Waiver of premium: total (not necessarily permanent) disability, after a waiting period.

CA §10295.1: the accelerated death benefit is due immediately on proof of eligibility; lump sum or periodic option.

Accidental death: 2-3 times the face amount, death usually within 90 days; not on dividend additions.

Guaranteed insurability: add coverage at set ages or events without evidence of insurability.

ADB = life insurance paid early; cannot be marketed as health or LTC insurance.

Terminal-illness window is set by the policy but can't be shorter than 6 months.

LTC training: 8 hours before selling, 8 hours each of first 4 years, then 8 per renewal; annuity training is 8 + 4.