LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client has a personal critical illness policy and group life but no disability coverage. The most significant gap is:
- ADental coverage, since routine costs recur every year
- BAdditional life insurance, since the group amount is usually a small multiple of salary
- CTravel medical, since the group plan may limit trip length
- Income replacement for a disability that is not a covered critical illness
Correct answer: D) Income replacement for a disability that is not a covered critical illness
CI pays only on listed conditions; disability can come from back injuries, mental health, accidents and many illnesses outside CI lists. DI is the foundation of living-benefit protection for a working client.
Why the other options are wrong
- AA dental gap is a budgeting matter, not a financial catastrophe.
- BLife coverage does not address disability, the more probable event.
- CTravel coverage is a minor gap compared with unprotected income.
Exam tip
CI and DI are complements; CI alone leaves most disabilities uncovered.
Common mistake
Treating a CI policy as a substitute for DI.
What this tests
CISRO competency component 1.2 — 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.