Insurance Exam Prep

Ran Chen, EA, CFP®

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[Health Insurance] 29, Own Occupation vs Any Occupation Definition of Disability

4/25/2026 • 3 min

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The definition of "own occupation" disability and why it's most favorable to the insured. - The more restrictive definition of "any occupation" disability and how it limits benefit eligibility. - How "modified own occupation" policies create a common exam trap. - Why many policies switch from an "own occupation" to an "any occupation" definition after a set period, a key concept for the exam. - A simple mnemonic to quickly distinguish between "own occupation" and "any occupation" on your test. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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