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:

Vernix

An oily, white substance that coats the skin of neonates, especially preterm babies.

Premature Infants

Babies born before 37 weeks of gestation, often facing increased risks of health complications.

Oxygen Deprivation

A condition resulting from inadequate oxygen supply to the body's tissues and organs, which can cause serious health effects.

Motor Development

The progression of muscular coordination and the ability to move and control the body, typically observed in infants and children.