Deal of The Day! Hurry Up, Grab the Special Discount - Save 25% - Ends In 00:00:00 Coupon code: SAVE25
Welcome to Pass4Success

- Free Preparation Discussions
Mail Us support@pass4success.com
Location US
Mob_nav_barsMENU

IFSE Institute LLQP Exam - Topic 3 Question 31 Discussion

Kerry is 52 years old and he is purchasing additional coverage on his individual disability income insurance policy using a future purchase option. His income has increased about 35% since he took out the policy four years ago. What is Kerry guaranteed to receive as a result of the rider?
C) An increased benefit according to the policy when Kerry provides proof of income.
A) An automatic 35% increase in benefit.
B) An increased benefit according to the policy when medical insurability is proven.
D) An increased benefit based on Kerry's income at the time of disability.

IFSE Institute LLQP Exam - Topic 3 Question 31 Discussion

Actual exam question for IFSE Institute's LLQP exam
Question #: 31
Topic #: 3
[All LLQP Questions]

Kerry is 52 years old and he is purchasing additional coverage on his individual disability income insurance policy using a future purchase option. His income has increased about 35% since he took out the policy four years ago. What is Kerry guaranteed to receive as a result of the rider?

Show Suggested Answer Hide Answer
Suggested Answer: C

by Nikita at Jun 22, 2026, 06:06 PM

Limited Time Offer

25%

Off

Get Premium LLQP Questions as Interactive Web-Based Practice Test or PDF

Contribute your Thoughts:

0/2000 characters
Submit Cancel
Dyan
2 days ago
I feel like it's C. Proof of income makes sense with the increase.
upvoted 0 times
...
Roxane
8 days ago
I think it's B. He needs to prove medical insurability.
upvoted 0 times
...
Timothy
13 days ago
So he doesn't just get a flat 35% increase? That's surprising!
upvoted 0 times
...
Carlee
18 days ago
Totally agree with B, that's how these riders usually function!
upvoted 0 times
...
Bulah
23 days ago
Wait, how does that work? Can he really just prove income?
upvoted 0 times
...
Bulah
28 days ago
Definitely B! Medical insurability is key here.
upvoted 0 times
...
Bethanie
1 month ago
He'll get an increased benefit based on his current income.
upvoted 0 times
...
Stephaine
1 month ago
I’m pretty certain that the benefit increase is based on Kerry's income at the time of disability, which makes me think option D could be the right choice.
upvoted 0 times
...
Glendora
1 month ago
This question feels familiar! I think the rider guarantees an increase, but I can't recall if it’s tied to medical insurability or just income proof.
upvoted 0 times
...
Rochell
2 months ago
I remember something about needing to prove income for the increased benefit, so I might lean towards option C.
upvoted 0 times
...
Evangelina
2 months ago
I think the future purchase option allows for an increase based on income, but I'm not sure if it's automatic or requires proof.
upvoted 0 times
...

Save Cancel