LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A client asks for a written recommendation. It should include:
- AOnly the insurer's brochure, since it describes every feature of the recommended product
- BOnly the premium and the benefit amount, since those are the figures the client will compare
- The needs, existing coverage, recommended design, premium, tax treatment, alternatives and gaps
- DThe agent's commission on each product, so that the client can judge whether the advice is impartial
Correct answer: C) The needs, existing coverage, recommended design, premium, tax treatment, alternatives and gaps
A complete written recommendation is the record of suitability and the basis for informed consent.
Why the other options are wrong
- ABrochures are marketing.
- BPremium without context is not a recommendation.
- DCompensation disclosure is a separate obligation where required.
Exam tip
Written recommendation = needs → product design → cost/tax → alternatives → gaps.
Common mistake
Leaving uncovered gaps out of the document.
What this tests
CISRO competency component 3.2 — 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.