Disability Income✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A disability income applicant discloses that they race cars as a hobby. The insurer is most likely to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Avocations are a standard disability income rating factor. Hazardous pastimes, including auto racing, skydiving, scuba diving, and mountain climbing, materially increase the probability and severity of accidental injury and disability, so underwriters respond by charging an extra premium, adding an exclusion for the activity, or declining coverage when the exposure is too great. The insurer prices the risk the applicant actually presents, which includes what they do in their spare time, not merely their paid occupation.
Why the other options are wrong
- B) Avocations are explicitly listed among disability rating factors; an off-the-job racing injury could still disable the applicant.
- C) A hazardous hobby generally precludes preferred rates; the insurer must reflect the added accident exposure in pricing.
- D) Underwriting addresses risk classification, not the applicant's employment status; requiring the applicant to quit work is not an underwriting action.
Memory hook
Hobbies count. A weekend racer is a higher disability risk, and the premium knows it.