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IFSE Institute Life License Qualification Program (LLQP) LLQP Question # 73 Topic 8 Discussion

IFSE Institute Life License Qualification Program (LLQP) LLQP Question # 73 Topic 8 Discussion

LLQP Exam Topic 8 Question 73 Discussion:
Question #: 73
Topic #: 8

Vladimir is a new insurance agent with Family-Assure Inc. He and his supervisor Petros are reviewing the information collected during Vladimir's first meeting with Vanessa, a restaurant owner looking to add to her existing disability insurance (DI) coverage. Petros notices an overlap among sources, although the existing coverage appears adequate. Petros reminds Vladimir to explain to Vanessa how she would be impacted if she were to claim disability benefits.

What should Vladimir tell Vanessa?


A.

Her DI benefits may be scaled back accordingly.


B.

It is more prudent to leave current coverage in place regardless of the overlap.


C.

Overlapping among sources may result in longer waiting periods.


D.

The insurer may refuse payment due to the appearance of fraud.


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