LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A 'presumptive total disability' provision typically deems the insured totally disabled on:
- Total loss of sight, hearing, speech or the use of two limbs, whether or not the insured can work
- BAny hospitalization lasting longer than the policy's waiting period, whatever the underlying cause
- CA diagnosis of cancer, heart attack or stroke confirmed in writing by a treating specialist physician
- DLoss of employment because the insured's medical condition prevents the employer from keeping them on
Correct answer: A) Total loss of sight, hearing, speech or the use of two limbs, whether or not the insured can work
Presumptive disability provides certainty for catastrophic losses and pays the full benefit even if the insured continues to work.
Why the other options are wrong
- BHospitalization is not a presumptive trigger.
- CThose are critical illness triggers, not presumptive disability.
- DUnemployment is not disability.
Exam tip
Presumptive: sight, hearing, speech, two limbs → total disability, waiting period often waived.
Common mistake
Confusing presumptive disability with CI triggers.
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.