LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A dentist asks why his disability need is different from an office manager's earning the same income. The key difference is:
- ADentists are uninsurable above a certain income because of the risk of repetitive strain
- BHe has a lower need, since a professional can move into consulting or teaching at any point
- His income depends on fine motor skills, so a modest impairment could end his practice
- DHe qualifies for a longer waiting period, since professionals build savings more quickly
Correct answer: C) His income depends on fine motor skills, so a modest impairment could end his practice
A specialist's earnings rest on a narrow set of physical capabilities, which is why the definition of disability and the own-occupation feature matter so much more to him.
Why the other options are wrong
- ADentists are insured routinely, in the most favourable occupational classes.
- BAlternative work usually pays far less and is exactly what a narrow definition would force.
- DWaiting period choice depends on reserves, not on occupation.
Exam tip
Specialists need the definition as much as the amount.
Common mistake
Recommending the same design to a specialist as to a general office worker.
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.