The premium will be waived if the Initial Policy Owner becomes Totally Disabled before the age of 60. Totally Disabled means the Initial Policy Owner is: (i) continuously completely disabled for a period of no less than 6 consecutive months; (ii) continuously completely unable to carry on his/her own occupation in the first 2 years of disability and to carry on any occupation thereafter (for those who have no regular occupation, it means complete inability to carry on any occupation); and (iii) under the regular care and attendance of a doctor.