LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation for a client who wants both DI and CI but can afford only DI now should:
- ABuy CI now and add DI later, since a lump sum can always be invested to replace income if the need arises
- BSkip CI permanently, since a client who cannot afford both products today will never be able to afford them
- CReduce the DI benefit until the budget stretches far enough to pay for a CI policy as well
- Implement DI now, document the CI need as a gap, and schedule a review
Correct answer: D) Implement DI now, document the CI need as a gap, and schedule a review
Staging implementation with a documented plan respects priorities and the budget.
Why the other options are wrong
- ADisability insurance is the priority; CI should follow, not lead.
- BThe need remains and should be revisited.
- CUnder-insuring the priority is unsound.
Exam tip
Stage implementation: priority first, document the rest, schedule review.
Common mistake
Leaving unaddressed needs undocumented.
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.