LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client's needs analysis shows a disability income gap, a CI need and an LTC need, but a limited budget. The agent should prioritize:
- AWhichever product the client understands best, since that is the one she will keep paying for
- BCritical illness first, since a lump sum can be directed to whatever need arises
- CLong-term care first, since it is the coverage that is hardest to obtain later in life
- Income replacement first, then CI, with LTC addressed as resources allow
Correct answer: D) Income replacement first, then CI, with LTC addressed as resources allow
Prioritization follows probability and severity. Loss of income during working years is the most likely and most financially destructive; CI complements it; LTC is later-life and can often be planned for over time.
Why the other options are wrong
- AEase of understanding is not a suitability criterion.
- BCI is important but secondary to income replacement.
- CLTC is a later-life risk and usually lower priority for a working client.
Exam tip
Working client priority: DI → CI → LTC, unless facts dictate otherwise.
Common mistake
Selling CI first because it is easier to explain.
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.