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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?

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Suggested Answer: C

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

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Dylan
1 month ago
I lean towards D. Benefits should reflect his income at disability time.
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Dyan
2 months ago
I feel like it's C. Proof of income makes sense with the increase.
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Roxane
2 months ago
I think it's B. He needs to prove medical insurability.
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Timothy
2 months ago
So he doesn't just get a flat 35% increase? That's surprising!
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Carlee
2 months ago
Totally agree with B, that's how these riders usually function!
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Bulah
2 months ago
Wait, how does that work? Can he really just prove income?
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Bulah
2 months ago
Definitely B! Medical insurability is key here.
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Bethanie
3 months ago
He'll get an increased benefit based on his current income.
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Stephaine
3 months 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.
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Glendora
3 months 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.
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Rochell
3 months ago
I remember something about needing to prove income for the increased benefit, so I might lean towards option C.
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Evangelina
3 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.
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