LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client mentions a back injury five years ago that fully resolved. The agent should:
- ALeave it out, since a condition fully resolved five years ago is no longer material
- BSuggest the client mention it only if the insurer requests a physician's statement
- Record it with dates and outcome, since back conditions commonly lead to exclusions
- DDecline the application, since prior back injuries are uninsurable for disability
Correct answer: C) Record it with dates and outcome, since back conditions commonly lead to exclusions
Past health issues are a listed item and are material. Musculoskeletal history frequently produces exclusions; full disclosure allows the underwriter to assess it and prevents later rescission.
Why the other options are wrong
- APast conditions are material even when resolved; the underwriter decides their weight.
- BAdvising a client to withhold a material fact is misconduct.
- DA resolved injury is routinely insurable, sometimes with an exclusion.
Exam tip
Record every past condition with dates and outcome; let the underwriter decide.
Common mistake
Deciding for the client that an old injury does not matter.
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:
- 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?
- Why does the disability needs analysis ask about the client's participation in employer-sponsored savings plans?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.