LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'CI rider' attached to a life or DI policy compared with a stand-alone CI policy:
- Is usually cheaper but may cover fewer conditions and ends if the base policy ends
- BIs always the better choice, since the base policy's underwriting already covers the rider at no extra cost
- CIs identical to a stand-alone policy in every respect except that it is billed on a single statement
- DIs always the worse choice, since riders cannot include a return-of-premium or conversion feature
Correct answer: A) Is usually cheaper but may cover fewer conditions and ends if the base policy ends
Rider versus stand-alone is a common recommendation decision. The rider's dependence on the base policy is a key drawback.
Why the other options are wrong
- BRiders trade breadth for cost; they are not always better.
- CThey differ in scope, amount limits and independence.
- DRiders can be appropriate for budget-limited clients.
Exam tip
CI rider: cheaper, narrower, tied to the base policy. Stand-alone: independent, broader.
Common mistake
Recommending a CI rider without noting it ends with the base policy.
What this tests
CISRO competency component 2.2 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.