Own occ is rarely needed for most office job types. Your financial advisor is correct - it’s really only needed for very specific professions requiring specific (especially physical) skills (doctors, dentists, musicians, tradesmen, etc).

Think of it this way - if you or I lost a finger somehow, no big deal. A neurosurgeon loses a finger, and now they are out a million dollars a year in income.

Own Occ is a lot more expensive. Anything that would keep someone from doing a typical office job would likely keep them from doing any job (such as a terminal cancer diagnosis, or degenerative neurological condition).