LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client asks why the agent needs the details of her group benefits booklet. The best answer is:
- ATo confirm the employer is paying the share of premiums it is required to pay under the plan document
- BBecause the insurer will decline the application without a copy of the booklet
- Because its definitions, amounts and maximums show what gaps individual coverage should fill
- DTo check whether she may convert her group LTD to an individual policy when she leaves the employer
Correct answer: C) Because its definitions, amounts and maximums show what gaps individual coverage should fill
Group coverage details are part of the client's existing coverage. Individual recommendations should complement, not duplicate, the group plan — and the group plan's limits (non-evidence maximum, all-sources maximum, taxability) shape the gap.
Why the other options are wrong
- AWho pays the premium matters for taxation, but that is one line, not the reason for the booklet.
- BInsurers ask about other coverage for offsets; they do not require the booklet.
- DGroup LTD rarely converts; the booklet's value is in the gap analysis.
Exam tip
Read the group booklet: definitions, maximums, waiting periods, taxability. Design individual coverage around it.
Common mistake
Selling individual DI that duplicates or is offset by the group plan.
What this tests
CISRO competency component 1.1 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.