意外与健康保单条款第 514 / 716 题
The optional 'change of occupation' provision allows the insurer to adjust benefits or premiums if the insured:
a.Moves to a different state after the policy is issued
b.Purchases a second unrelated policy from a competing insurer
c.Gets married or divorced during the policy term
d.Changes to a more hazardous or less hazardous occupation
解析
The change of occupation provision lets the insurer modify the benefit or premium when the insured switches to a job with a different risk level: a more hazardous occupation may reduce benefits to what the premium would buy at the higher risk, while a less hazardous one may lower the premium and refund the difference. It is not triggered by relocating, marrying, or buying another policy. The provision keeps the coverage aligned with the actual occupational risk being insured.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)