If you become unable to pay your life insurance premiums due to disability or loss of work, there are a few options that may help.
First, many insurance policies include a temporary waiver of premium payments in the event of temporary unemployment or disability. You should check your policy to see if you can invoke this privilege.
Second, if it is a cash value policy your insurance carrier will take a loan against the cash value of your policy to cover the premiums until you are able to resume payment. The length of time they will do this will depend on the amount of value you have available.