Arkansas Life and Health Insurance Practice Exam

Own occupation refers to the ability to perform the duties of one's own occupation at the time the disability begins. This means that the insured will receive benefits if they are unable to perform the specific duties of their own occupation, regardless of their ability to work in a different occupation. In this case, the correct answer is A. Options B, C, and D are incorrect because they refer to the inability to perform all duties of one's previous occupation, own occupation, or some duties of one's own occupation, respectively. These options do not accurately define the concept of own occupation in the context of disability insurance.