In which of the following scenarios would an insured typically qualify for 'Presumptive Disability' benefits?

Question: In which of the following scenarios would an insured typically qualify for 'Presumptive Disability' benefits?

Answer options: ✅ The insured loses sight in both eyes or the use of two limbs.

• The insured is diagnosed with a terminal illness.
• The insured loses their professional licence.
• The insured cannot perform two or more Activities of Daily Living (ADLs).

Correct answer: The insured loses sight in both eyes or the use of two limbs.

Explanation: In a 'Presumptive Disability' clause, the insurer agrees that the insured is totally disabled if they suffer the total and permanent loss of sight, speech, hearing, or the use of two limbs, regardless of whether they can still work.