LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A disability contract's 'own occupation to age 65' feature is most valuable to:
- AA general labourer whose duties are common to many workplaces across the industry
- A specialist whose training and income depend on a narrow set of duties
- CA student with no earned income who wants to protect future insurability
- DA retiree whose income comes from investments rather than employment
Correct answer: B) A specialist whose training and income depend on a narrow set of duties
The longer the own-occupation protection lasts, the more it matters to someone whose earnings would fall sharply in any other line of work.
Why the other options are wrong
- AA labourer's transferable duties make a switch of occupation less costly.
- CA student without earnings cannot be insured for income replacement.
- DA retiree has no employment income for the definition to protect.
Exam tip
The narrower the specialty, the more the definition is worth.
Common mistake
Selling the strongest definition to clients whose duties are easily transferable.
What this tests
CISRO competency component 2.2 — 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.