Massachusetts Life Producer Practice Exam

Which of the following is considered an activity of daily living when determining an accelerated life insurance benefit?

1. Shopping

2. Bathing

3. Eating

4. Driving

The correct answer is: Eating

Bathing is recognized as an activity of daily living (ADL) when determining eligibility for accelerated life insurance benefits. Activities of daily living are basic self-care tasks that individuals typically perform on a daily basis to maintain personal hygiene and well-being. In the context of life insurance, the ability to perform these activities is often linked to a person's health status. If an individual is unable to perform certain ADLs, it may trigger benefits under their life insurance policy, allowing them to access funds while still alive, particularly in situations of terminal illness. Bathing, along with other essential tasks such as eating, dressing, toileting, transferring (moving in and out of bed or a chair), and continence, is often included in the definitions used by insurers. While eating is also an important activity of daily living, the correct focus here is clearly on bathing as one of the fundamental measures used to assess an individual's functional capacity in life insurance terms.