LLQP Accident & Sickness · Component 4.1 · 10% of the exam
A group member's spouse gains coverage under their own employer's plan. The member should:
- ACancel their own plan, since the spouse's coverage now protects the whole family at no cost to the member
- BDo nothing, since a spouse's coverage has no bearing on the member's own elections under the plan
- Update dependent elections if the plan allows, and understand coordination of benefits
- DClaim every expense under both plans in full, since each plan is a separate contract
Correct answer: C) Update dependent elections if the plan allows, and understand coordination of benefits
Life events permit election changes under most plans. COB rules govern dual coverage.
Why the other options are wrong
- ADual coverage is usually beneficial.
- BElections may need updating.
- DCOB prevents double recovery.
Exam tip
Life event → update elections; COB for dual coverage.
Common mistake
Advising a member to drop family coverage without checking COB value.
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.