LLQP Accident & Sickness · Component 2.1 · 30% of the exam
A 'regular occupation' definition of disability differs from a pure own-occupation definition because it:
- ARequires confinement to hospital for the first ninety days of any claim
- BPays only for disabilities caused by accidents, whereas own occupation responds to illness as well
- CApplies only after the insured has been disabled for the full benefit period
- Requires the insured to be unable to perform his own duties and not working elsewhere
Correct answer: D) Requires the insured to be unable to perform his own duties and not working elsewhere
The regular occupation wording adds a condition that the insured is not gainfully employed elsewhere, so returning to other work ends the total disability benefit.
Why the other options are wrong
- AConfinement has no place in a regular occupation definition.
- BBoth definitions respond to disability from illness and accident alike.
- CThe definition applies from the start of the claim, not at its end.
Exam tip
Regular occupation adds 'and not working elsewhere'.
Common mistake
Assuming any own-occupation wording permits other employment.
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.