LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A client asks whether to buy a CI rider on her life policy or a stand-alone CI policy. The recommendation should weigh:
- AOnly the insurer's brand, since the client will trust a company whose name she recognizes
- BOnly price, since the covered conditions are standardized across the industry
- Breadth of conditions, amount limits, dependence on the base policy, conversion and ROP, and price
- DNothing, since a rider and a stand-alone policy are identical in every respect but the paperwork
Correct answer: C) Breadth of conditions, amount limits, dependence on the base policy, conversion and ROP, and price
The rider-versus-policy decision is a recommendation classic. Riders suit budget-constrained or secondary needs; stand-alone suits a primary CI need.
Why the other options are wrong
- ABrand is not suitability.
- BPrice is one factor among several; scope and independence matter more.
- DThey differ in scope and independence.
Exam tip
Primary CI need → stand-alone; secondary/budget → rider.
Common mistake
Recommending a CI rider without noting it depends on the base policy staying in force.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.