LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'regular occupation to 65' or 'extended regular occupation' rider addresses:
- AThe premium increases that would otherwise apply when the insured reaches the age of 65
- BThe waiting period, which it shortens for any claim that continues beyond two years
- The two-year definition switch, keeping the regular-occupation test for the full benefit period
- DThe offsets for CPP and workers' compensation, which it removes after two years on claim
Correct answer: C) The two-year definition switch, keeping the regular-occupation test for the full benefit period
The definition switch is the main weakness of standard products; this rider removes it for a price.
Why the other options are wrong
- AIt raises the premium; it does not address premium increases.
- BThe waiting period is unaffected.
- DOffsets are a separate matter.
Exam tip
Extended regular-occ rider = no any-occ switch.
Common mistake
Missing the definition switch in a policy without this rider.
What this tests
CISRO competency component 2.2 — 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.