LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'long-term care conversion' option on a CI or DI policy allows:
- AImmediate LTC benefits as soon as the insured is diagnosed with a covered critical illness
- BExtension of the DI benefit period past 65 for insureds who need care rather than income replacement
- CConversion of the coverage into permanent life insurance at retirement without evidence of insurability
- Conversion of some or all of the coverage into LTC insurance at a stated age, without evidence
Correct answer: D) Conversion of some or all of the coverage into LTC insurance at a stated age, without evidence
The option addresses the shift from working-years risk (DI/CI) to retirement risk (LTC), preserving insurability.
Why the other options are wrong
- AConversion creates LTC coverage; benefits follow LTC triggers.
- BDI is not extended; it is converted.
- CConversion is to LTC, not life insurance.
Exam tip
LTC conversion option bridges DI/CI to later-life care coverage without evidence.
Common mistake
Overlooking the conversion window.
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.