LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client's job involves rotating shifts and heavy lifting. For A&S purposes this suggests:
- AThat critical illness insurance is the only product available to him
- A higher occupational class with higher premiums, limited options and greater need
- CA low-risk occupation, since shift work is supervised and regulated
- DThat DI is unavailable and workers' compensation is his only protection, since insurers do not write manual classes
Correct answer: B) A higher occupational class with higher premiums, limited options and greater need
Physical, shift-based work raises the probability of disability and limits the products insurers offer to that class. The need is high precisely because the risk is high.
Why the other options are wrong
- ADI is available to physical workers, with restrictions.
- CHeavy lifting and shift work raise the probability of disability.
- DWorkers' compensation covers work-related causes only; DI is usually available.
Exam tip
High-risk occupations: higher class, fewer options, greater need. Manage expectations.
Common mistake
Quoting a professional-class DI product to a manual worker.
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.