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What you may be referring to is a disability waiver of premium. This is a provision that is generally available, for an additional premium, that waives the payment of premiums upon the disability of the person who is responsible for the payment of premiums.
The disability waiver is, as stated, an option that is usually selected at the inception of the policy. In direct answer to your question, not all policies have them.
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Earn +20 ptsQ: Do all term life insurance policies have disability?
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