LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client has been in her current role for three months after ten years in a different field. For disability underwriting and needs analysis, this matters because:
- AIt has no bearing, because only the hazards of the current occupation are underwritten
- BShe cannot apply until she has completed twelve months in the new position
- Short tenure affects how income is verified and how stable the occupation is judged
- DNew employees are declined outright until their probationary period has ended
Correct answer: C) Short tenure affects how income is verified and how stable the occupation is judged
The curriculum lists 'length of time in current role'. Short tenure raises questions about income stability and whether the new duties are established, which insurers weigh in setting class and benefit amount.
Why the other options are wrong
- ALength of time in the current role is a listed element of the client's situation.
- BNo waiting year exists; tenure is weighed, not used as a bar.
- DNew employees are insurable; the underwriter simply looks harder at income stability.
Exam tip
Tenure in the current occupation affects income verification and class; ask about it and about the previous occupation.
Common mistake
Assuming a recent career change has no effect on the DI application.
What this tests
CISRO competency component 1.1 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.