LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A client asks whether to add an accidental death and dismemberment rider to her DI policy. She should understand that the rider:
- APays a monthly benefit for sickness that the base policy would otherwise exclude from coverage
- BReplaces the need for life insurance by paying a lump sum on the insured's death from any cause
- CExtends the benefit period of the base policy for any disability that was caused by an accident
- Adds a low-cost lump-sum benefit for accidental death or specified losses
Correct answer: D) Adds a low-cost lump-sum benefit for accidental death or specified losses
AD&D riders are cheap add-ons. Their value is limited and they should not be relied on for life needs.
Why the other options are wrong
- AAD&D is accident-only.
- BAccident-only coverage is not a substitute for life insurance.
- CThe benefit period is unchanged.
Exam tip
AD&D rider: cheap, accident-only, supplementary.
Common mistake
Counting an AD&D rider as life coverage.
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.