LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Which feature distinguishes disability insurance from critical illness insurance in the event a client is disabled by a condition NOT on the CI list, such as a severe back injury?
- ABoth products pay, since a back injury that prevents work is treated as a serious health event under either
- BCI pays and DI does not, since the injury was not caused by an accident that occurred at work
- CNeither product pays, since a back injury is an excluded condition under both types of contract
- DI pays monthly because it responds to inability to work; CI pays nothing as the condition is unlisted
Correct answer: D) DI pays monthly because it responds to inability to work; CI pays nothing as the condition is unlisted
DI is cause-agnostic (subject to exclusions); CI is list-based. Back injuries and mental health — the largest sources of disability — are outside CI.
Why the other options are wrong
- ACI pays nothing here; the condition is not on the list.
- BCI does not cover unlisted conditions, and DI covers injury from any cause.
- CDisability insurance pays for a back injury that prevents work.
Exam tip
DI = any cause of inability to work; CI = listed conditions only.
Common mistake
Assuming CI covers all serious health events.
What this tests
CISRO competency component 2.1 — 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.