LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client has travel medical coverage through a credit card. In the review the agent should confirm:
- ANothing further, since credit card travel coverage is identical across all cards and issuers
- BThat it replaces provincial coverage abroad and removes the need to carry a health card
- The trip length limit, the age cut-off, the pre-existing condition clause and how the trip must be paid
- DOnly the card's annual fee, since the level of coverage is proportional to what the client pays
Correct answer: C) The trip length limit, the age cut-off, the pre-existing condition clause and how the trip must be paid
Card coverage is real but narrow, and each of those conditions can void it for exactly the client who most needs it, so the terms have to be read before it is counted.
Why the other options are wrong
- ACard benefits differ widely in duration, age limits and stability requirements.
- BCard coverage supplements provincial coverage; it does not replace it.
- DCoverage terms are set by the benefit schedule, not by the fee.
Exam tip
Card travel coverage lives and dies by its trip length, age and stability clauses.
Common mistake
Counting credit card travel coverage without reading its conditions.
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.