Question

accident and sickness certification exam
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1 stella and josh are young parents of two children, aged 1 and 3. stella is employed as a senior manager at a company where she is covered under a group insurance plan. josh gave up his job to look after the children and is not covered under any insurance plan. the couple meets with an insurance agent to discuss their options to cover for child care expenses in the event of josh’s disability. which of the following recommendations is the agent likely to provide?
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a. an individual disability income replacement policy for josh
b. a non - traditional disability insurance policy for josh
c. an extended health insurance plan for josh
d. a whole life insurance policy with family coverage rider for stella
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Explanation:

The couple needs coverage for child care expenses if Josh becomes disabled. Josh is not employed and lacks insurance, so an individual disability income replacement policy would provide income to cover such expenses if he can’t care for the children due to disability. Other options don’t directly address this need: non-traditional disability isn’t defined for this context, extended health covers medical costs (not child care income), and whole life with a rider for Stella doesn’t help Josh’s disability-related child care needs.

Answer:

a. An individual disability income replacement policy for Josh