LLQP Accident & Sickness · Component 1.2 · 35% of the exam
In reviewing a couple's coverage, the agent finds both are insured under one spouse's family health plan. The relevant risk is:
- AThat the family will be over-insured and the premiums partly wasted every year
- BThat the plan must be split into two individual certificates before either may claim
- That the whole family loses coverage at once if that spouse's employment or plan ends
- DThat both plans pay in full, so the couple recovers more than the expense incurred
Correct answer: C) That the whole family loses coverage at once if that spouse's employment or plan ends
Concentrating the household's health coverage in one member's plan means a single job loss, retirement or plan termination removes protection for everyone at the same moment.
Why the other options are wrong
- AOne family plan is not over-insurance; the concern is concentration, not duplication.
- BFamily coverage is issued under one certificate by design.
- DThere is only one plan here, so no coordination or double recovery arises.
Exam tip
One plan for the whole family is a single point of failure.
Common mistake
Overlooking how much the household depends on one member's benefits.
What this tests
CISRO competency component 1.2 — 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.