LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client works as a courier through a delivery app and is paid per job with no employer. In the A&S fact-find this matters because:
- He has no employer sick leave, no group LTD and no workers' compensation to fall back on
- BApp-based workers are covered by the platform's group plan, so the agent should request the certificate
- CGig income is not insurable, so the agent should confine the analysis to the client's spouse
- DHis occupational class is set by the app's rating of his delivery performance over the past year
Correct answer: A) He has no employer sick leave, no group LTD and no workers' compensation to fall back on
A self-employed platform worker has none of the employer-provided layers the needs analysis normally nets out, so the individual coverage gap is unusually wide and the agent must document the absence of each layer.
Why the other options are wrong
- BDelivery platforms treat couriers as contractors and provide no group disability plan.
- CDocumented self-employment income is insurable; it simply has to be verified from tax returns.
- DOccupational class comes from the duties and hazards of driving, not from a performance rating.
Exam tip
No employer means no sick leave, no group LTD and usually no workers' compensation.
Common mistake
Assuming a platform worker has the same safety net as an employee.
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.