LLQP (Life Licence Qualification Program) Practice Exam · Question
Under a disability policy with a 'regular occupation' definition, an individual is considered disabled if they cannot perform:
'Regular occupation' (or 'own occupation') is a strong definition of disability, meaning the insured is eligible for benefits if they are unable to perform the
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Question: Under a disability policy with a 'regular occupation' definition, an individual is considered disabled if they cannot perform:
Answer options:
- Any job for which they are reasonably suited. ✅ The essential duties of their own specific job.
- Any paid work at all.
- Their job or any similar job in the local economy.
Correct answer: The essential duties of their own specific job.
Explanation: 'Regular occupation' (or 'own occupation') is a strong definition of disability, meaning the insured is eligible for benefits if they are unable to perform the main duties of the job they had when they became disabled.
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- A life insurance policy that offers lifelong coverage, a guaranteed death benefit, and a savings component tha
- Group benefits in Canada commonly include:
- Sarah, a 35-year-old marketing professional in Ontario, purchases a participating whole life insurance policy
- Mark, a 45-year-old business owner in British Columbia, has a Universal Life policy with a Level Cost of Insur
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