Reference no: EM132968071

-You are helping your new client Jagoslaw purchase critical illness insurance and disability insurance. When you present the recommendation to him, he asks why you recommended a lower amount of disability insurance benefits than you did for critical illness insurance. What should you tell Jagoslaw?

A.Critical illness has no maximum because it is not tied to the income or expenses of the beneficiary, but disability coverage is tied to the income he was making when he became disabled.

B.If you had recommended the maximum amount for both policies, he would not have been able to afford both policies.

C.A person is likely to be disabled for a much shorter time than the length of time that they are likely to experience a critical illness.

D.After assessing his financial situation and needs, you determined he needed critical illness insurance more than disability insurance, so you recommended a higher level of critical illness benefits.