LLQP Accident & Sickness · Component 2.2 · 30% of the exam
For a self-employed contractor with variable income, which two riders are most likely to be recommended together?
- AHospital confinement and AD&D, since construction work carries a high risk of serious accidental injury
- BLifetime benefit and survivor benefit, since a contractor's disability is likely to be permanent and total
- CAD&D and return of premium, since a contractor who never claims should recover the premiums paid
- Residual disability for reduced earnings on a gradual return, and FPO if income is rising
Correct answer: D) Residual disability for reduced earnings on a gradual return, and FPO if income is rising
Self-employed clients rarely return to full earnings at once; residual coverage is central. FPO matters if the business is growing.
Why the other options are wrong
- AHospital and AD&D are cheap add-ons, not core protection for variable income.
- BLifetime and survivor benefits are secondary to residual coverage.
- CAD&D and ROP address minor or objection-driven needs.
Exam tip
Self-employed: residual first, FPO if growing.
Common mistake
Prioritizing ROP over residual for a business owner.
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.