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IFSE Institute LLQP Exam - Topic 2 Question 32 Discussion

Marc, age 35, is a self-employed electrician. His annual income is approximately $60,000. His spouse Veronique works part-time and earns an annual income of $15,000. Marc and Veronique are parents of two young children. Their monthly financial obligations with regard to rent, car, clothing, and food amount to $3,000. What accident and sickness insurance protection do Marc and Veronique primarily need?
A) Disability coverage of $3,000 per month for Marc.
B) Disability coverage of $3,000 per month for Veronique.
C) Disability coverage of $4,000 per month for Marc.
D) Long-term care insurance of $3,000 per month for Marc.

IFSE Institute LLQP Exam - Topic 2 Question 32 Discussion

Actual exam question for IFSE Institute's LLQP exam
Question #: 32
Topic #: 2
[All LLQP Questions]

Marc, age 35, is a self-employed electrician. His annual income is approximately $60,000. His spouse Veronique works part-time and earns an annual income of $15,000. Marc and Veronique are parents of two young children. Their monthly financial obligations with regard to rent, car, clothing, and food amount to $3,000. What accident and sickness insurance protection do Marc and Veronique primarily need?

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Suggested Answer: A

by Merlyn at Jun 29, 2026, 10:29 PM

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Harris
2 days ago
I agree, $3,000 is their monthly obligation.
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Charisse
8 days ago
Marc definitely needs disability coverage of $3,000 per month.
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Coleen
13 days ago
$4,000 for Marc sounds like overkill, $3,000 is enough.
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Loreta
18 days ago
Long-term care insurance? Seems unnecessary for a young family.
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Ranee
23 days ago
Surprised they only need $3,000! What if something happens to both?
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Ammie
28 days ago
I think Veronique should have coverage too, but Marc is the main earner.
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Hana
1 month ago
Marc definitely needs that $3,000 coverage.
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Karima
1 month ago
I thought long-term care insurance was more for elderly care, so I’m leaning towards disability coverage for Marc, but I’m not certain about the amount.
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Ceola
1 month ago
I’m a bit confused about whether Veronique needs coverage too, but I think Marc’s income is more critical to cover.
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Charolette
2 months ago
I remember a similar question where we had to calculate the income replacement needed. I feel like Marc’s coverage should match their monthly obligations.
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Solange
2 months ago
I think Marc needs disability coverage since he’s the primary earner, but I'm not sure if $3,000 is enough for their expenses.
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