LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation for a client in a hazardous occupation (roofer) who can only obtain a limited DI product should:
- Present the available coverage, explain its limits, and consider accident coverage and CI as supplements
- BBe withheld altogether, since limited coverage would give the client a false sense of security about his protection
- CRecommend group LTD through an employer plan, even though a self-employed roofer has no employer to sponsor one
- DRecommend a professional-class product, since the best definitions and longest benefit periods serve every client best
Correct answer: A) Present the available coverage, explain its limits, and consider accident coverage and CI as supplements
For restricted classes, the best available coverage with clear limits is the suitable recommendation. Honesty about gaps is essential.
Why the other options are wrong
- BSome protection beats none.
- CUnavailable options are not recommendations.
- DNot available to his class.
Exam tip
Restricted classes: best available, limits explained, supplements considered.
Common mistake
Overstating the coverage a manual worker can obtain.
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.