Arkansas Life and Health Insurance Practice Exam 2025 – Complete Study Guide

An "Own Occupation" clause in disability insurance specifies that it covers the insured individual for the inability to perform the duties of their own occupation. In other words, if a policy includes an "Own Occupation" clause and the insured is unable to perform the specific duties of their current occupation, they may be eligible to receive benefits even if they are able to work in a different occupation. This provides more comprehensive coverage tailored to the insured's specific occupation. Therefore, the correct answer is A.

Option B is incorrect because an "Own Occupation" clause does specify the duties of a specific occupation.

Option C is incorrect because an "Own Occupation" clause is not limited to only other similar occupations.

Option D is incorrect because the purpose of an "Own Occupation" clause is to cover the inability to perform the duties of one's specific occupation, not all duties in general.