1.7. Joy is a personal assistant to a COO of a big corporate law firm (she is \( 100 \% \) oltice bound, i.e. \( 100 \% \) admin related). As part of the firm's benefits, the employees are entitied to a free financial advice session with your company. Whilst meeting Joy you ldentify the need for a disability income protection benefit. Joy menions that she recently applied for a disability income protection benefit. Whilst reviewing the application form you notice that Joy stated her occupation as an events planner. Choose the correct statement. A. This will be regarded as a material misrepresentation and will affect the validity of the policy. B. This representation will be regarded as irrelevant. C. This will not be regarded as material misrepresentation as the risk element will not be affected. D. The misrepresentation will be regarded as material to the risk that needs to be covered. E. None of the above

Misrepresenting one's occupation, especially in the context of applying for a disability income protection benefit, can have serious implications. If Joy listed her occupation as an events planner, which likely carries different risk factors than her actual role as a personal assistant to a COO, this could indeed be classified as a material misrepresentation. Insurers assess risk based on occupation, and in this case, the misrepresentation could affect the validity of the policy—leading to potential denial of benefits when needed. In corporate law firms, job roles can carry vastly different responsibilities and risks. Joy's role as a personal assistant may involve less physical demand than the high-energy, often unpredictable environment of event planning. If an injury occurred, the insurer might question her claim based on her stated occupation, potentially resulting in significant financial repercussions for Joy. It’s crucial for individuals to accurately represent their job roles to ensure their coverage aligns with their actual risk profile.