LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client's group benefits include an extended health care plan with a lifetime maximum for out-of-country emergency care. The review should note:
- That the plan's maximums and exclusions define what travel or supplementary coverage she needs
- BThat the lifetime maximum resets each calendar year and so rarely matters
- CThat out-of-country care is fully covered because provincial plans reimburse whatever the group plan leaves unpaid
- DThat EHC details are irrelevant because disability is the only A&S need
Correct answer: A) That the plan's maximums and exclusions define what travel or supplementary coverage she needs
Group EHC plans have maximums, deductibles and exclusions. The curriculum lists coverage offered by group extended health plans and the rationale for supplementing provincial coverage.
Why the other options are wrong
- BA lifetime maximum is a ceiling for the life of the coverage, not an annual figure.
- CProvincial plans pay only a small fraction of foreign emergency costs.
- DEHC is part of existing coverage and shapes travel and supplementary needs.
Exam tip
Read group EHC maximums, especially out-of-country; they drive travel insurance needs.
Common mistake
Assuming group EHC provides unlimited emergency coverage abroad.
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.