You meet with your client, Fernanda (32), for an insurance needs analysis. Based on your discussion, you recommend that Fernanda purchase a four-condition, permanent, critical illness (CI) insurance policy. Which of the following statements CORRECTLY describes Fernanda’s policy? Fernanda’s coverage expires at age 75 Fernanda’s coverage expires at age 100 Coronary bypass surgery is covered under Fernanda’s policy Muscular dystrophy is covered under Fernanda’s policy
a)		i and iii
b)		i and iv
c)		ii and iii
d)		ii and iv

Rumela has a disability insurance (DI) policy that pays $4,500 per month in the event of disability. The policy has a presumptive disability clause, a 90-day waiting period, and 10-year benefit period. Subsequently, Rumela is injured and becomes totally and permanently deaf. However, this does not result in a loss of earnings since Rumela’s deafness does not affect her ability to function normally in her job as a computer software programmer. Which of the following statements CORRECTLY describes the outcome in this situation?
a)		Rumela would not qualify for benefits under her policy.
b)		Rumela would receive $4,500 per month starting immediately.
c)		Rumela would receive $4,500 per month starting after 90 days.
d)		Rumela’s benefits will be discontinued if she returns to work.

Fryda has dental coverage under her extended health coverage. Her plan covers 80% for regular maintenance, 50% for restorative procedures, and no coverage for cosmetic procedures. Fryda goes to the dentist for a regular check-up and cleaning. During the visit, the dentist discovers that Fryda has a cracked molar. A second visit is scheduled and Fryda’s cracked molar is extracted. Fryda then returns for several visits over the year to have a dental implant put in to replace her extracted molar. The total cost of her dental work is $4,525: $150 for the check-up and cleaning, $875 for the molar extraction, and $3,500 for the dental implant. If the provincial dental schedule sets the price of extractions at $750 and her dental plan considers the dental implant cosmetic, what is the total amount of Fryda’s dental work that will be covered under her extended health coverage?
a)		$495
b)		$720
c)		$1,025
d)		$2,245