In the case of a disability income policy, what might happen if the insured takes on a much more dangerous job?

In the context of a disability income policy, if the insured takes on a significantly more dangerous job, the correct outcome is that the benefit level may be reduced. This occurs because insurance policies are typically based on the risk associated with the insured's occupation.

When a person moves to a more hazardous job, they may present a higher risk for the insurance company, potentially increasing the likelihood of filing a claim due to an accident or illness related to that job. As a result, the insurer may lower the benefit levels to reflect this increased risk or to adapt to the revised terms of coverage associated with the new occupation. Insurance companies often classify occupations into different risk categories, and a change to a higher-risk job could trigger a reassessment of the coverage.

This adjustment is a common practice within the insurance industry to ensure that the policy remains actuarially sound and fair, reflecting the actual risk presented by the insured's occupation.