LLQP Disability Insurance Practice Questions
Disability Insurance makes up 5 of every 50 questions on a Tigertest LLQP practice test. Here are 10 of the 20 questions on it, each with the answer and the reason.
Updated by the Tigertest team. Based on the harmonized LLQP's four modules, Canadian law and CCIR/CISRO guidance as of November 2026. Original questions; 50 per test, mixing the modules in proportion. Not affiliated with CISRO, any provincial regulator or the AMF.
1. Under an own occupation definition of total disability, a surgeon who can no longer operate but can teach is:
- A.Disabled only if she stops teaching
- B.Considered totally disabled
- C.Not disabled because she can teach
- D.Partially disabled only
Answer: B. Own occupation pays when the insured cannot perform the main duties of their own occupation, even if they can work in another one.
2. An any occupation definition pays only when the insured cannot work in:
- A.A job paying the same salary
- B.Any job at all, of any kind
- C.Their own job at the time of claim
- D.Any job suited to their training
Answer: D. Any occupation means any occupation for which the insured is reasonably suited by education, training or experience. Many group plans switch to it after two years.
3. The elimination period in a disability policy is:
- A.The wait before benefits start
- B.The years before premiums stop
- C.The time limit for filing a claim
- D.The months benefits are paid
Answer: A. Benefits begin only after the elimination (waiting) period. A longer period lowers the premium, and short-term savings or EI can bridge it.
4. Choosing a 120-day elimination period instead of a 30-day period will usually:
- A.Lengthen the benefit period
- B.Remove the waiting period
- C.Lower the premium
- D.Raise the premium
Answer: C. The insurer pays fewer short claims when the waiting period is longer, so the premium drops.
5. A residual disability benefit pays when the insured:
- A.Dies during a period of disability
- B.Has a condition from before the policy
- C.Returns to work at reduced income
- D.Is fully disabled for the rest of life
Answer: C. Residual benefits pay a share of the total disability benefit in proportion to the income lost, encouraging a gradual return to work.
6. A recurrent disability provision treats a relapse within a set time after recovery as:
- A.The same claim, with no new wait
- B.A pre-existing condition to exclude
- C.Grounds for the insurer to cancel
- D.A new claim with a new waiting period
Answer: A. If the same cause recurs within the stated period (often six months), the claim continues as the original disability and the elimination period is not repeated.
7. A non-cancellable disability policy means the insurer cannot:
- A.Ask for any proof of disability
- B.Ever deny a claim under it
- C.Change the benefit period later
- D.Cancel it or raise its premium
Answer: D. Non-cancellable and guaranteed renewable: the insurer must renew and cannot change the premium. Guaranteed renewable alone allows class-wide premium increases.
8. A guaranteed renewable disability policy lets the insurer:
- A.Lower the benefits at each renewal
- B.Raise premiums for a whole class
- C.Cancel the policy after any claim
- D.Raise one person's premium alone
Answer: B. The policy must be renewed, but premiums can change for everyone in the same risk class. They cannot be raised for one insured because of their claims.
9. A cost of living adjustment rider on disability income:
- A.Pays a lump sum at age 65
- B.Raises benefits with inflation on claim
- C.Lowers the premiums whenever prices rise
- D.Adds coverage before any claim
Answer: B. COLA increases the monthly benefit while the insured is on claim, usually tied to the consumer price index up to a cap.
10. A future income option rider on a disability policy allows the insured to:
- A.Take all benefits as a lump sum
- B.Skip the elimination period on one claim
- C.Retire early on full benefits
- D.Add benefit as income grows, no medical
Answer: D. The rider lets the insured add monthly benefit on set dates in line with higher income, proving income but not health.
Practice all 20 disability insurance questions, and the rest of the 200-question bank, in the free LLQP training sets. Questions you miss come back until you have mastered them.
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