Questions: Multiple Choice Which of the following best describes the presumptive disability provision? A. Increases the monthly benefits stated in the policy B. Reduces the incontestability period C. Waives the typical total disability requirements D. Assumes all injuries result in total disability Submit

The answer is C. Waives the typical total disability requirements

This option is incorrect because the presumptive disability provision does not directly increase the monthly benefits. Instead, it focuses on the conditions under which benefits are paid.

This option is incorrect because the incontestability period is a separate clause in insurance policies that limits the time during which an insurer can contest the validity of a policy. The presumptive disability provision does not affect this period.

This option is correct. The presumptive disability provision typically waives the standard requirements for proving total disability. It automatically considers certain severe conditions, such as loss of sight, hearing, or limbs, as total disabilities, thus ensuring that the insured receives benefits without having to meet the usual criteria.

This option is incorrect because the presumptive disability provision does not assume all injuries result in total disability. It specifically applies to certain severe conditions that are predefined in the policy.