LLQP Accident & Sickness · Component 3.1 · 25% of the exam
A CI applicant with a benign, resolved condition (for example, a removed skin lesion confirmed non-cancerous) is likely to be:
- APostponed for five years from the date of the procedure, until the insurer is satisfied there is no recurrence
- Issued at standard rates, provided documentation confirms the benign result
- CRated heavily, since any lesion requiring removal suggests an elevated cancer risk
- DDeclined, since critical illness insurers exclude anyone with a history of skin lesions
Correct answer: B) Issued at standard rates, provided documentation confirms the benign result
Benign, resolved findings do not raise CI risk. Documentation matters; the agent should help gather it.
Why the other options are wrong
- APostponement is for unresolved conditions.
- CNo excess risk warrants a rating.
- DBenign history is not a decline reason.
Exam tip
Benign and documented → standard.
Common mistake
Discouraging an applicant from applying because of a benign finding.
What this tests
CISRO competency component 3.1 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.