LLQP Accident & Sickness · Component 3.2 · 25% of the exam
For a dual-income couple with children where only one spouse has group LTD, the recommendation should:
- ACover only the higher earner, since that income matters most to the household's standard of living
- BBuy CI only for both spouses, since it is cheaper and pays a lump sum that can replace either income
- CCover only the spouse with group LTD, since that spouse already has a base to build on
- Provide individual DI for the uncovered spouse and top-up coverage for the other as needed
Correct answer: D) Provide individual DI for the uncovered spouse and top-up coverage for the other as needed
Both incomes support the household's fixed costs. The uncovered spouse's need is the larger gap.
Why the other options are wrong
- AThe other income is also essential.
- BCI does not replace income.
- CThat spouse already has a base; the other has nothing.
Exam tip
Two earners: insure both incomes; prioritize the uncovered one.
Common mistake
Insuring only the higher earner.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.