LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A disability policy's 'any occupation' definition usually qualifies the test with:
- AThe insured's own job as it was performed at the time the disability began
- BJobs available within reasonable commuting distance of the insured's home
- Any occupation for which the insured is reasonably suited by education, training or experience
- DAny job at any rate of pay, regardless of the insured's background or training
Correct answer: C) Any occupation for which the insured is reasonably suited by education, training or experience
Courts and contracts read 'any occupation' as any reasonably suitable occupation, not any job whatsoever. It remains the most restrictive standard definition and is common in group LTD after the initial own-occ period.
Why the other options are wrong
- AThat is the own or regular occupation test.
- BGeography is not the qualifier.
- DThe 'reasonably suited' qualifier limits the test.
Exam tip
Any-occ = any occupation reasonably suited by education, training or experience.
Common mistake
Telling a client 'any occupation' means they must be unable to do anything at all.
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.