survey.QuestionList
.Where(l => l.Questions != null)
.SelectMany(l => l.Questions)
.Where(q => q != null && q.AnswerRows != null)
.SelectMany(q => q.AnswerRows);
I’d recommend you ensure your collections are never null. null can be a bit of a nuisance if you don’t handle it well. You end up with if (something != null) {} all over your code. Then use:
survey.QuestionList
.SelectMany(l => l.Questions)
.SelectMany(q => q.AnswerRows);