LLQP (Life Licence Qualification Program) Practice Exam · Question
In a disability insurance policy, which definition of disability is the most difficult for the claimant to meet?
An 'Any Occupation' definition is the most restrictive for the insured (easiest for the insurer). The insured is only considered disabled if they cannot perform
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Question: In a disability insurance policy, which definition of disability is the most difficult for the claimant to meet?
Answer options:
- Own Occupation
- Regular Occupation
- Total Disability ✅ Any Occupation
Correct answer: Any Occupation
Explanation: An 'Any Occupation' definition is the most restrictive for the insured (easiest for the insurer). The insured is only considered disabled if they cannot perform the duties of any occupation for which they are reasonably suited by education, training, or experience. 'Own Occupation' is the most liberal for the insured.
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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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