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CeMAP Exam
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An adviser is discussing Income Protection (IP) with a self-employed client. The client has significant savings that could cover their expenses for six months. How would this information most likely influence the adviser's recommendation?
It would mean Income Protection is not required.
It would suggest a higher monthly benefit is needed.
It would allow for a longer deferred period, reducing the premium.
It would require the policy to be written in trust immediately.
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Correct Answer:
It would allow for a longer deferred period, reducing the premium.
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