LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation for a 55-year-old with a family history of dementia and a desire to stay at home if care is needed should emphasize:
- ADisability insurance to 65, since the client is still working and could not earn if care were needed
- BCritical illness insurance, since dementia is a covered condition under most comprehensive policies
- LTC with full home care, a cognitive trigger, inflation protection and a long benefit period
- DA facility-only LTC policy, since dementia care at home is impractical for most families
Correct answer: C) LTC with full home care, a cognitive trigger, inflation protection and a long benefit period
The recommendation matches the identified risk (dementia), preference (home) and time horizon (decades, so inflation matters).
Why the other options are wrong
- ADI ends at 65 and requires an occupational test.
- BCI pays once; dementia care is ongoing, and dementia is often not a covered condition.
- DFacility-only ignores the client's preference.
Exam tip
LTC design follows preference (home), risk (cognitive), horizon (inflation, duration).
Common mistake
Recommending LTC without inflation protection at 55.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.