LLQP Accident & Sickness · Component 4.2 · 10% of the exam
A DI claimant dies during a claim. The agent should:
- ACancel all of the deceased's other policies, since a death ends every contract the client held
- BDo nothing, since the disability claim ends automatically and no further benefits can be payable
- Inform the insurer, help the estate claim accrued benefits and any survivor rider, and check other policies
- DContinue collecting the disability benefits on behalf of the estate until the benefit period expires
Correct answer: C) Inform the insurer, help the estate claim accrued benefits and any survivor rider, and check other policies
Benefits accrue to death; survivor riders and other policies may pay. Continuing to collect DI after death would be fraud.
Why the other options are wrong
- AOther policies may pay.
- BAccrued and other benefits must be claimed.
- DDisability benefits end at death; collecting further payments would be fraud.
Exam tip
Death during claim: accrued benefits, survivor rider, other policies.
Common mistake
Overlooking the survivor benefit rider.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.