LLQP Accident & Sickness · Component 4.1 · 10% of the exam
A group member leaves employment. The agent should inform them that their group coverage:
- AContinues indefinitely as long as the former employee keeps paying the premium directly to the insurer
- BConverts to individual LTD automatically, with the same benefit and definition as the group plan
- Ends on termination, with a time-limited conversion option for health and usually life, but rarely LTD
- DIs transferred to the new employer's plan, which must accept the member without evidence
Correct answer: C) Ends on termination, with a time-limited conversion option for health and usually life, but rarely LTD
Termination service means explaining what ends, what can be converted and by when. LTD conversion is uncommon; individual DI needs underwriting.
Why the other options are wrong
- AGroup coverage ends with membership.
- BGroup LTD rarely offers conversion; individual DI requires new underwriting.
- DPlans do not transfer.
Exam tip
Group termination: health/life convertible within the window; LTD usually not.
Common mistake
Missing the conversion window.
What this tests
CISRO competency component 4.1 — 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.