Your Client Is Single and Just Getting Started in His

question 29

Multiple Choice

Your client is single and just getting started in his career. Which of the following short-term disability insurance policies would help lower the premium cost?

• A) Purchase a policy that replaces 80 percent of pre-retirement income rather than one that replaces 70 percent.
• B) Purchase a policy that provides for residual disability rather than one that only provides for full disability.
• C) Purchase a policy with an "own occupation" definition for disability rather than one that defines disability as "any occupation."
• D) Purchase a policy with a longer elimination period rather than one with a shorter elimination period.

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Definitions:

Cervix

The lower, narrow part of the uterus that connects to the vagina in female anatomy.

Lightening

In pregnancy, the descent of the fetus into the pelvic cavity before the onset of labor.

Diaphragm

The diaphragm is a large, dome-shaped muscle located below the lungs that plays a crucial role in the respiratory process by helping to inhale and exhale air.

Oxytocin

Sometimes referred to as the "love hormone," it plays a significant role in facilitating social bonding, trust, and group cohesion.