LLQP Accident & Sickness · Component 3.2 · 25% of the exam
For an employer who wants to provide LTC-like protection to employees, the agent should advise that:
- AGroup LTD already covers the need, since it continues to pay for care after the member retires from the employer
- BGroup LTC is standard in Canada and can be added to any existing group benefits plan at the next renewal
- Group LTC is rare in Canada; individual LTC via payroll, group CI or an EAP are alternatives
- DLTC cannot lawfully be offered through a group plan under the provincial insurance legislation
Correct answer: C) Group LTC is rare in Canada; individual LTC via payroll, group CI or an EAP are alternatives
Product availability shapes recommendations. Group LTC has limited market presence; individual solutions fill the gap.
Why the other options are wrong
- ALTD ends at 65 and is occupation-based.
- BGroup LTC is uncommon.
- DNot illegal, just rare.
Exam tip
Group LTC: rare; use individual LTC via payroll or other benefits.
Common mistake
Promising a group LTC plan.
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.