LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A group plan's 'non-evidence maximum' for long-term disability means:
- ANo member of the group may be insured for more than that amount under any circumstances at all
- Coverage up to that amount is issued without medical evidence; more requires underwriting
- CEvery member must provide medical evidence before any coverage is issued
- DThe insurer will pay no more than that amount in total claims for the group each year
Correct answer: B) Coverage up to that amount is issued without medical evidence; more requires underwriting
The non-evidence maximum is the amount the insurer will issue on the strength of the group's characteristics alone, and higher earners must be underwritten individually for the excess.
Why the other options are wrong
- AMembers can be covered above it by satisfying the evidence requirement.
- CEvidence is required only for the amount above the maximum.
- DIt is a per-member issue limit, not an aggregate claims cap.
Exam tip
Non-evidence maximum is where individual underwriting begins.
Common mistake
Assuming a high earner automatically has the full formula amount.
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.