In a universal life insurance policy, what happens to the cash value if the insured becomes disabled?

In a universal life insurance policy, if the insured becomes disabled and has a waiver of premium rider, the cash value remains unaffected by the usual costs of insurance while the rider is in effect. This is important because the waiver of premium rider allows the policyholder to avoid paying premiums during periods of disability, which helps maintain the policy's value. During this time, the policy continues to accrue cash value as if the premiums were still being paid, thus preserving the policy's benefits and the cash value accumulation without any deductions for insurance costs that might otherwise occur if premiums were not paid. This mechanism provides financial security to the policyholder during challenging times without penalizing them for their inability to work or earn income due to their disability.