Pierre-Marc, aged 32, is a dentist with a rich clientele.

Comprehensive and Detailed Explanation:

“Any occupation” disability insurance pays benefits only if the insured cannot work inanyjob for which they are reasonably suited by education, training, or experience. For a dentist like Pierre-Marc, whose substantial income relies on specialized skills, this is restrictive. “Own occupation” coverage pays if he cannot perform his specific job (dentistry), even if he can work elsewhere (Chapter 2:Insurance to Protect Income).

Option A: Incorrect; “any occupation” is less flexible, not more, and doesn’t pay if he can work elsewhere, regardless of choice.

Option B: Incorrect; benefits stop if he can work elsewhere, whether he chooses to or not.

Option C: Incorrect; an AD&D rider addresses specific losses, not income replacement adequacy.

Option D: Correct; “own occupation” suits his high-income, specialized profession, ensuring benefits if he can’t practice dentistry, even if he takes another job.