LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation for a client who travels to the United States for three months each winter should include:
- Travel medical covering the full stay, with attention to the pre-existing condition stability clause
- BAccidental death and dismemberment coverage, since accidents are the main risk while abroad
- CDisability insurance with a foreign residence rider, since illness abroad could prevent a return to work
- DLong-term care insurance, since a three-month stay in a foreign facility would not be covered at home
Correct answer: A) Travel medical covering the full stay, with attention to the pre-existing condition stability clause
Product matched to need: extended stays exceed most group plan trip limits. Stability clauses must be explained.
Why the other options are wrong
- BAD&D does not cover medical costs.
- CDI does not pay medical costs abroad.
- DLong-term care insurance does not cover medical emergencies abroad.
Exam tip
Snowbirds: travel medical sized to trip length; explain stability clause.
Common mistake
Assuming a group EHC plan's 30-day trip limit covers a 90-day stay.
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:
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- 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.