LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client is 58 and plans to retire at 65. This affects the disability recommendation mainly by:
- AMaking disability coverage unnecessary, since retirement is only seven years away
- BIncreasing the benefit amount needed to protect the final, highest-earning years
- Shortening the period income must be replaced, pointing to a benefit period to 65
- DRemoving the waiting period, since an older client cannot bridge it from savings
Correct answer: C) Shortening the period income must be replaced, pointing to a benefit period to 65
Benefit periods typically run to 65. For a 58-year-old, the maximum exposure is seven years of income, which shapes the recommendation and its price.
Why the other options are wrong
- ASeven years of income is still a major exposure.
- BAge does not change the amount of income at risk each month.
- DWaiting periods are chosen on savings and existing coverage, not age.
Exam tip
Time to retirement sets the maximum benefit period that matters.
Common mistake
Ignoring that DI benefits generally end at 65 when discussing an older client.
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.