LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client who works from home as a software developer asks whether her occupation is 'low risk' for disability. The agent should explain that:
- AA low-risk class means her need for disability coverage is correspondingly small, since illness rarely disables office workers
- BHome-based workers fall into a special class with shortened benefit periods
- COnly physically demanding occupations qualify for disability insurance
- Sedentary professionals get the best classes, but health, income and duties are still underwritten
Correct answer: D) Sedentary professionals get the best classes, but health, income and duties are still underwritten
Occupational class is about hazards and the likelihood of returning to work. Sedentary knowledge work is favourably classed, which opens better definitions and lower premiums — but illness, not injury, is the main disability risk for such clients.
Why the other options are wrong
- AIllness disables office workers as readily as anyone; the need is unchanged.
- BWhere the work is done does not set the class; the duties do.
- CProfessional classes are a core DI market.
Exam tip
Sedentary professionals: best classes, best definitions; their main risk is illness, not injury.
Common mistake
Assuming a desk job means low need for disability coverage.
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.