LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client's need for dental coverage is best characterized as:
- ALife-threatening, since untreated dental disease leads to serious systemic illness over time
- Budgetable: routine costs are predictable, so group dental is mainly a pre-tax benefit
- CNon-existent, since provincial plans now cover basic dental care for all adult residents
- DCatastrophic, since major restorative work can easily cost more than a year's take-home pay
Correct answer: B) Budgetable: routine costs are predictable, so group dental is mainly a pre-tax benefit
Dental is a budgeting benefit, not catastrophe protection. The curriculum lists dental under group extended health products; individually it is expensive relative to the benefit.
Why the other options are wrong
- ADental is not a catastrophic health risk in insurance terms.
- CProvincial plans do not cover dental for most adults; the need exists but is modest.
- DDental costs are rarely catastrophic and are capped by plan maximums.
Exam tip
Dental = budgeting benefit, best delivered through a group plan.
Common mistake
Prioritizing individual dental over disability protection.
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.