LLQP Exam Dumps | Today, Sabrina suffered a severe stroke. She owns a 20-year term critical illness policy that specifically

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Question 62/126

Today, Sabrina suffered a severe stroke. She owns a 20-year term critical illness policy that specifically covers this medical condition. Her contract provides for a $100,000 critical illnessbenefit after a 30-day waiting period. It also includes a return of premium rider on death and maturity. Sadly, Sabrina dies 28 days after her stroke. What will the insurer do in this situation?

A. The insurer will pay the $100,000 critical illness benefit to Sabrina's estate.

B. The insurer will pay the policy's cash surrender value to Sabrina's estate.

C. The insurer will pay the return of premium benefit to Sabrina's estate.

D. The insurer will not pay any benefit, because Sabrina died during the waiting period.

Correct Answer: C

Comprehensive and Detailed Explanation:
CI requires surviving 30 days post-diagnosis; Sabrina died at 28 days, so no $100,000. The return of premium rider pays premiums back upon death (Chapter 1:Financial Protection Provided by Accident and Sickness Insurance).
Option A: Incorrect; waiting period not met.
Option B: Incorrect; no cash value in CI.
Option C: Correct; rider applies.
Option D: Incorrect; rider triggers payment.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 1:Financial Protection Provided by Accident and Sickness Insurance.

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