LLQP Accident & Sickness case studies
LLQP Accident & Sickness · Put your knowledge to work in context.
The Accident & Sickness qualification within Canada's Life Licence Qualification Program (LLQP) is the credential that allows a licensed life insurance agent to also sell and service health-related coverage: disability income, critical illness, long-term care, individual and group health plans, and supplementary accident benefits. It is aimed at people entering or expanding a career in insurance sales and advice - new agents completing their initial licensing, life agents adding a health line, and group benefits or employee-benefits staff who need the regulatory credential. The LLQP Accident & Sickness case studies are 5 cases and about 2,508 words.
1The Overlooked Aviation Exclusion
Priya, 34, buys an individual accident policy paying 250,000 for accidental death and 1,500 per week for total disability. The policy contains a standard exclusion for injuries sustained while "acting as a pilot or crew member of any aircraft." Six months later Priya, a recreational private pilot, crashes her rented Cessna during a solo weekend flight.
554 words, about 3 min2The Group Plan and the Pending Surgery
Marcus works for a mid-sized logistics firm with a group disability plan covering 60% of salary to a maximum of 6,000 monthly, with a 90-day elimination period and a 24-month own-occupation definition. He earns 9,500 monthly.
525 words, about 3 min3Critical Illness Claim and the Waiting Period
Lena, 47, holds a critical illness policy with a $150,000 sum insured covering cancer, heart attack, and stroke. The policy has a 90-day survival period and a 90-day waiting period from issue.
491 words, about 2 min4Long-Term Care and the Family Pressure
Derek, 72, is considering a long-term care policy with a 4,500 monthly benefit, a 90-day elimination period, and a three-year benefit period. He has 320,000 in savings, a 1,900 monthly pension, and a home worth 600,000 with no mortgage.
494 words, about 2 min5The Claim That Arrived After the Deadline
Aisha holds a disability income policy with a 60-day elimination period and a clause requiring written proof of claim within 90 days of the start of disability, "or as soon as reasonably possible." She was injured on March 1 and submitted her claim on August 15, about 167 days after the injury. She explains that she was hospitalized, then moving between family homes, and did not understand the paperwork.
444 words, about 2 min