All of the following statements are correct about individual Disability policy except?

Answer 1

Individual disability policies typically provide income replacement in the event of a disabling condition, allowing policyholders to maintain their standard of living. They often include definitions of total disability and partial disability, as well as varying benefit periods and waiting periods. However, one common misconception is that these policies cover all types of disabilities, when in fact, many exclude certain pre-existing conditions or specific causes of disability.