LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A critical illness policy's 'loss of independent existence' benefit is triggered by:
- AAdmission to a long-term care facility for a stated minimum number of days
- BA physician's certification that the insured cannot return to their own occupation
- The inability to perform a stated number of activities of daily living, permanently
- DA diagnosis of any cancer at all, whatever the stage or the treatment the insured requires
Correct answer: C) The inability to perform a stated number of activities of daily living, permanently
This condition imports a functional test into a critical illness contract, which is why it overlaps with long-term care coverage and why its wording needs checking against that product.
Why the other options are wrong
- AFacility admission is not the contractual trigger.
- BOccupational tests belong to disability insurance.
- DCancer is a separate covered condition with its own definition.
Exam tip
Loss of independent existence is a functional test inside a CI contract.
Common mistake
Assuming critical illness never uses activities of daily living.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.