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            <h1>'Wholly and Permanently Disabled' in Insurance: Not Total Helplessness, Must Meet Disability Clause for Benefits.</h1> The term 'wholly and permanently disabled' as defined in the disability clause of a life insurance policy does not imply a condition that is merely partial or temporary. It should not be interpreted literally to mean a state of complete helplessness or utter hopelessness to qualify for benefits. This definition is referenced in Black's Law Dictionary, 4th Edition, and is applicable under Indian laws, serving as a guide in legal contexts and insurance claims.

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