Instructions:

1. The three most common critical illnesses covered include heart attack, stroke, and ______.
3. Creditor insurance is ______ but the conversation is not.
5. This type of coverage pays regular benefits to the mortgage or loan if the client is unable to work due to a broad range of sickness, injury, mental illnesses & nervous disorders.
7. Loan Protector premiums are based on the age of the borrower on the date of the insurance application, and loan ______ on the date the payment is due.
8. You must be working at least ______ hours to be eligible for disability coverage.
10. If a person is ______, they would still qualify for critical illness coverage.
11. Balance Protector costs $1.19 per $100 of your outstanding ______ balance, plus taxes.
14. Creditor insurance is meant to ______ any existing coverage, not replace it.
17. When there are 3 owners on a mortgage, how many of them can be covered for Home Protector?
18. To be eligible for Life and Disability coverage the client must be ______ age 70.
20. The majority of group disability plans cover less than ______ % of gross income, which, in most cases, leads to a shortfall in household income.
21. Balance Protector pays ______ benefits in case of disability, strike/lock-out or involuntary job loss.

2. If a client doesn’t work, they may only be eligible for Life and ______ protection.
4. If you are between the ages of 25 and 50, there’s a 46% chance you could be _________ for more than 90 days at least once.
6. The ______ age for eligibility for critical illness on a loan is fifty-six years old.
8. Lifetime milestones within the first____ days of the effective date will not be paid out.
9. The maximum duration of benefit for disability coverage is ______ months?
12. The minimum age to be eligible for insurance for any coverage is ______ years old.
13. For Home Protector, life & critical illness insurance premiums are calculated based on the balance of the mortgage at time of application, and the client’s ______.
15. “In order to determine the impact of an unforeseen life event on your loan, I would like to ask you a few questions.” Is a way we can pre ______ creditor insurance.
16. For lifetime milestones service you are eligible for a maximum of 2 lifetime milestones in any ______ month period.
19. The ______ protection tool can assist us in objection handling and suggesting coverage.