It waives the premium in event of "total and permanent" disability defined as "that the insured is prevented from engaging in any business or occupation or employment for which insured is reasonably fitted by education, training or experience for remuneration or profit and such disability has been for at least six months continuously." Issued ages 0 through 55. Benefit will not be allowed if disability commences before insured's 15th birthday or after policy anniversary at which insured is age 60 nearest birthday.