LLQP Accident & Sickness · Component 2.2 · 30% of the exam
A 'spousal' or 'family' CI rider:
- Adds CI coverage for the spouse under the insured's policy, usually smaller and dependent on the base
- BCovers only the children of the insured, since spouses must always buy their own stand-alone policies
- CDoubles the insured's own benefit if the insured and the spouse are diagnosed within the same year
- DPays a life insurance benefit to the spouse if the insured dies within the survival period
Correct answer: A) Adds CI coverage for the spouse under the insured's policy, usually smaller and dependent on the base
Family riders are convenient and cheap but limited in amount and tied to the base policy. Stand-alone spousal coverage is more robust.
Why the other options are wrong
- BThe spouse is the primary person covered under a family CI rider.
- CIt covers other family members; it does not double the insured's benefit.
- DA family CI rider provides critical illness coverage, not a life benefit.
Exam tip
Family CI riders: convenient, limited, tied to base policy.
Common mistake
Relying on a small spousal rider for a spouse with a substantial CI need.
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.