LLQP Accident & Sickness · Component 2.2 · 30% of the exam
When recommending riders, the agent should prioritize:
- Riders that address identified gaps — residual for the self-employed, FPO for rising income, COLA for the young
- BThe riders that produce the highest first-year commission, since those are the ones that fund ongoing service
- CNo riders at all, since riders add cost and the base policy already covers the client's fundamental need
- DEvery available rider, so that the policy is complete and no gap can be discovered later at claim time
Correct answer: A) Riders that address identified gaps — residual for the self-employed, FPO for rising income, COLA for the young
Riders are tools for needs. The curriculum expects riders to be analyzed against the client's situation, not sold as a package.
Why the other options are wrong
- BCompensation must not drive recommendations.
- CSome riders are essential for certain clients.
- DUnneeded riders waste premium.
Exam tip
Match riders to needs: residual (self-employed), FPO (rising income), COLA (young), ROP (objection-driven, expensive).
Common mistake
Adding every rider to make the policy look complete.
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.