LLQP Accident & Sickness · Component 1.2 · 35% of the exam
Which existing-coverage detail most affects the recommended waiting period for new individual DI?
- AThe number of dependants, since larger families need benefits sooner
- The duration of group STD and the LTD start date, together with emergency savings
- CThe client's life insurance, since a large policy can be borrowed against to bridge the months before benefits begin
- DThe client's dental and vision plan, since they signal a rich benefits package
Correct answer: B) The duration of group STD and the LTD start date, together with emergency savings
The waiting period should begin when other resources end. Group STD/LTD timing and savings define that point.
Why the other options are wrong
- ADependants affect the amount needed, not when benefits should begin.
- CLife insurance does not pay during disability.
- DDental coverage has no bearing on when disability benefits should begin.
Exam tip
Waiting period = when other resources run out.
Common mistake
Choosing a waiting period without mapping existing short-term resources.
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.