LLQP (Life Licence Qualification Program) Practice Exam · Question
In a disability insurance policy, how is the 'Any Occupation' definition of total disability typically interpreted?
The 'Any Occupation' definition is the most restrictive. To qualify for benefits, the insured must be unable to perform the duties of any occupation for which t
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Question: In a disability insurance policy, how is the 'Any Occupation' definition of total disability typically interpreted?
Answer options:
- The inability to perform the duties of your specific current job.
- The inability to perform any job paying the same salary as your current one. ✅ The inability to perform the duties of any occupation for which you are reasonably qualified by education, training, or experience.
- The inability to perform any work whatsoever, even part-time or volunteer.
Correct answer: The inability to perform the duties of any occupation for which you are reasonably qualified by education, training, or experience.
Explanation: The 'Any Occupation' definition is the most restrictive. To qualify for benefits, the insured must be unable to perform the duties of any occupation for which they are reasonably suited by education, training, or experience.
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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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