Hardeep is a lawyer and partner at a large law firm in Toronto. He recently purchased an individual disability insurance policy. The policy has an occupational clause and uses the "own occupation" definition for disability. Which of the following statements about Hardeep's policy is CORRECT? Hardeep's policy has lower premiums than an "any occupation" policy for the same coverage. Hardeep's benefits will be reduced if he returns to work in another capacity. It is easier to claim benefits under Hardeep's policy than under an "any occupation" policy. Hardeep's benefits will be terminated if he returns to work in another occupation. 28 O Oa) Ob) Od) 8888