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LLQP (Life Licence Qualification Program) Practice Exam · Question

In a Critical Illness policy, 'Loss of Independent Existence' is usually defined as the inability to perform how many 'Activities of Daily Living' (ADLs)?

In 'Loss of Independent Existence' (a standard Critical Illness trigger), the insured must typically be unable to perform 2 out of the 6 Activities of Daily Liv

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Question: In a Critical Illness policy, 'Loss of Independent Existence' is usually defined as the inability to perform how many 'Activities of Daily Living' (ADLs)?

Answer options:

  • 1 ADL ✅ 2 ADLs
  • 3 ADLs
  • 4 ADLs

Correct answer: 2 ADLs

Explanation: In 'Loss of Independent Existence' (a standard Critical Illness trigger), the insured must typically be unable to perform 2 out of the 6 Activities of Daily Living (ADLs) without assistance.

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