LLQP Accident & Sickness · Component 2.2 · 30% of the exam
An 'own occupation' rider added to a regular-occupation DI policy:
- AAdds critical illness coverage for the conditions most likely to cause a long disability claim
- BLowers the premium by narrowing the definition of disability to the insured's specific job title
- CRemoves the policy's standard exclusions for hazardous sports and extended foreign travel
- Makes the insured totally disabled if unable to do their own occupation, even if working elsewhere
Correct answer: D) Makes the insured totally disabled if unable to do their own occupation, even if working elsewhere
Own-occ is sold as a rider or built into professional-class products. It is the definition specialists want.
Why the other options are wrong
- ACI is a separate product or rider.
- BStronger definitions cost more, not less.
- CExclusions are unrelated to the definition of disability.
Exam tip
Own-occ rider: better definition, higher cost, limited to top classes.
Common mistake
Assuming every occupational class can buy the own-occ 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.