LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client's family has a young child with a chronic condition requiring drugs not covered provincially. The need identified is:
- Extended health coverage to fund the drugs beyond the provincial plan
- BDisability insurance on the child to replace the ongoing cost of the medication
- CLong-term care insurance on the child, since the condition is chronic and lifelong
- DLife insurance on the child, with the cash value used to fund future treatment
Correct answer: A) Extended health coverage to fund the drugs beyond the provincial plan
The curriculum lists the rationale for supplementing provincial coverage. Drug costs are the largest gap in most provinces; EHC coverage addresses them.
Why the other options are wrong
- BA child has no income to replace; DI is not available.
- CLTC responds to loss of daily-living ability, typically in later life.
- DLife insurance pays at death; it does not fund drug costs.
Exam tip
Health expense gaps → EHC. Drugs are the biggest gap.
Common mistake
Assuming provincial coverage pays for all necessary drugs.
What this tests
CISRO competency component 1.3 — 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.