LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client has elective knee surgery scheduled in six weeks. For a disability application the agent should:
- AAdvise the client to cancel the surgery so that the application can proceed at standard rates
- BWait two years after the surgery before applying, since the contestability period must expire first
- Disclose the scheduled surgery and expect a postponement until recovery is established
- DSubmit the application without mentioning the surgery, since it has not yet taken place
Correct answer: C) Disclose the scheduled surgery and expect a postponement until recovery is established
A planned procedure is a known material fact, and the usual underwriting response is to defer the decision until the outcome and recovery are documented.
Why the other options are wrong
- AAn agent has no business advising a client to change medical treatment.
- BContestability runs from issue and has nothing to do with when a client may apply.
- DA scheduled operation is material and must be disclosed even though it is in the future.
Exam tip
Planned procedures are disclosed and usually postpone the decision.
Common mistake
Rushing an application in to beat a scheduled operation.
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.