Practice Quiz

Health and Life Insurance

Category - Disability

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Disability is defined in two separate ways. Which one of these is more beneficial to the insured?
  1. Own occupation
  2. Any occupation
  3. Benefits are the same for both options
  4. It would depend on the insured situation
Explanation
Answer: A - Disability defined as own occupation is more beneficial to the insured. Own occupation disability refers to the insured being unable to continue in their normal occupation. Disability in this case refers to being unable to perform any or all duties necessary to their occupation. The any occupation definition refers to being unable to perform duties in any occupation that the insured is qualified for through their education, training or experiences.
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