LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client's existing critical illness policy covers three conditions: cancer, heart attack and stroke. In reviewing it, the agent should:
- ATreat it as comprehensive, since cancer, heart attack and stroke account for most claims under any CI policy
- Compare its short list with today's broader coverage, and check definitions and survival period
- CRecommend cancelling it, since a three-condition policy is obsolete
- DLeave it out of the analysis, since only new coverage can be recommended
Correct answer: B) Compare its short list with today's broader coverage, and check definitions and survival period
Basic CI covers the 'big three'; comprehensive plans cover many more. Whether to add or replace depends on definitions, cost and the client's insurability now.
Why the other options are wrong
- AA three-condition policy misses many conditions comprehensive plans now cover.
- CCancelling loses coverage that may be irreplaceable at the client's current health.
- DExisting CI is part of the coverage picture and shapes the gap.
Exam tip
CI review: covered conditions, definitions, survival period, ROP features.
Common mistake
Replacing a basic CI policy without checking insurability for the new one.
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.