IIQE Paper 3 Benefit Riders and Other Products question: whole life part of the policy

Answer: D. is not part of the Certified Plan, but must not reduce its protection

Answer: is not part of the Certified Plan, but must not reduce its protection. Another plan attached to a Certified Plan is not treated as part of it. Its terms must not work against the aims of the VHIS or weaken the cover of the Certified Plan.Why not the others:• becomes part of the Certified Plan: The attached plan is expressly not treated as part of the Certified Plan.• must itself be certified before sale: Only the individual indemnity hospital plan is certified; the attached life plan is not.• may restrict the Basic Benefits of the rider: The attached plan must not cut down the cover that the Certified Plan gives.Watch out: Assuming everything in the same policy document becomes part of the Certified Plan.Rule: A Certified Plan may attach to another plan; the other plan stays outside the VHIS but must not undermine the Certified Plan.Source: IA Long Term Insurance (Paper III) Study Notes, 2022 Edition (8th ed., June 2022; for exams from 24 Oct 2022), 3.4.1(c)(iii)(8), p. 3/12