LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client who snowbirds in the southern United States for four months each winter has a need for:
- ALong-term care coverage, since four months in a foreign residence counts as facility care
- Travel medical for the full stay, since provincial plans pay little abroad and group plans cap trips
- CNo extra coverage, since the provincial plan reimburses emergency care abroad in full
- DDisability insurance with a foreign-residence rider that keeps it in force over the winter
Correct answer: B) Travel medical for the full stay, since provincial plans pay little abroad and group plans cap trips
Out-of-country medical costs can be enormous and provincial reimbursement is minimal. The curriculum lists travel insurance and the reasons to supplement provincial coverage.
Why the other options are wrong
- ALTC is about care needs, not travel.
- CProvincial plans pay only a small fraction of out-of-country emergency costs.
- DDI replaces income; it does not pay foreign hospital bills.
Exam tip
Extended time abroad → travel medical; check trip-length limits and pre-existing condition stability clauses.
Common mistake
Assuming a group EHC plan covers a four-month stay.
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.