LLQP Accident & Sickness · Component 1.1 · 35% of the exam
Which element of a client's situation most affects the definition of disability that should be recommended?
- AProvince of residence, since definitions are prescribed by each provincial insurance act
- BNumber of children, since clients with dependants need the broadest definition
- CMarital status, since a working spouse permits a narrower, cheaper definition
- Occupation and training — a specialist benefits most from an own-occupation definition
Correct answer: D) Occupation and training — a specialist benefits most from an own-occupation definition
The curriculum lists definitions of occupation (regular, own, any) under riders and analysis. The value of an own-occupation definition depends on how specialized the client's work is and whether insurers offer it for that class.
Why the other options are wrong
- ADefinitions are contractual and offered by insurers, not set by province.
- BDependants affect the amount needed, not which definition fits.
- CA spouse's income is a resource; it does not change the definition needed.
Exam tip
Specialized occupations → own-occupation definition matters most.
Common mistake
Recommending an own-occupation definition without checking it is available for the client's class.
What this tests
CISRO competency component 1.1 — 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 of the following health facts is most relevant to a client's disability insurance situation?
- Why does the disability needs analysis ask about the client's participation in employer-sponsored savings plans?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.