LLQP Accident & Sickness · Component 1.3 · 35% of the exam
For a client whose main concern is the cost of care for a parent with dementia, which product need is illustrated?
- ACritical illness on the parent, which pays a lump sum when dementia is formally diagnosed by a specialist
- LTC on the parent if insurable, and the client's own LTC need, with cognitive impairment as a trigger
- CAccidental death and dismemberment on the parent, since falls are the main risk for people with dementia
- DDisability insurance on the parent to replace the pension income being consumed by the cost of care
Correct answer: B) LTC on the parent if insurable, and the client's own LTC need, with cognitive impairment as a trigger
Cognitive impairment is a standard LTC trigger. Parents with dementia are usually uninsurable, but the situation identifies the client's own future need.
Why the other options are wrong
- ACI does not fund ongoing care, and dementia is often not a covered condition.
- CAD&D covers accidental death and dismemberment, not care.
- DThe parent has no earned income to replace.
Exam tip
Cognitive impairment triggers LTC benefits regardless of ADL status.
Common mistake
Missing the client's own LTC need when discussing a parent's care.
What this tests
CISRO competency component 1.3 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.