LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A client with a modest budget and dependent children asks what to cover first. The recommendation should address:
- Income replacement, since the loss of earnings threatens the household's solvency
- BA travel medical policy, since an uninsured emergency abroad is the largest possible bill
- CAn accidental death and dismemberment plan, since it provides the most coverage per dollar
- DDental and vision coverage, since those are the costs the family incurs most frequently
Correct answer: A) Income replacement, since the loss of earnings threatens the household's solvency
Priority follows severity, and nothing damages a family with dependants more than the loss of the income that funds everything else.
Why the other options are wrong
- BTravel exposure arises only on trips and is cheap to cover separately.
- CAccidental death coverage responds to one narrow cause of loss.
- DRoutine dental and vision costs are a budgeting matter, not a catastrophe.
Exam tip
Rank by severity, not by frequency or by price per dollar.
Common mistake
Selling the cheapest product rather than the most necessary one.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.