LLQP Accident & Sickness · Component 1.2 · 35% of the exam
A client's group plan provides dependent coverage for her spouse and children. On her death or termination:
- Dependent health coverage generally ends, leaving the family to replace it
- BDependants receive a refund of the premiums paid for their coverage
- CDependent coverage continues for life as long as the premiums are paid by the dependants themselves
- DDependants become members of the plan in their own right
Correct answer: A) Dependent health coverage generally ends, leaving the family to replace it
Dependent coverage rides on the member's status. Its loss at death or termination is a benefit lost that both the life and A&S needs analyses should count.
Why the other options are wrong
- BNo refund of premiums is made when dependent coverage ends.
- CDependent coverage rides on the member's status and ends with it.
- DDependants are covered through the member; they never become members.
Exam tip
Family health coverage ends with the member; plan its replacement.
Common mistake
Forgetting the family's health coverage in the member's planning.
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.