LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client mentions a period of treatment for depression that ended two years ago. In the fact-find the agent should:
- AOmit it, since mental health history is protected information that insurers may not consider
- Record the dates, treatment and current status, since mental health history is material to A&S underwriting
- CRecord it as current, since any history of depression is treated as an ongoing condition
- DAdvise the client to apply for accident-only coverage, which avoids all medical questions
Correct answer: B) Record the dates, treatment and current status, since mental health history is material to A&S underwriting
Mental health conditions are a leading cause of disability claims and are underwritten closely, so accurate dates and current status give the underwriter the basis for a fair decision.
Why the other options are wrong
- AInsurers may lawfully ask about mental health, and omitting it is a material non-disclosure.
- CA resolved condition is recorded as resolved, with its dates and outcome.
- DSteering a client to accident-only coverage to dodge the questions would be unsuitable.
Exam tip
Mental health history is material and must be recorded accurately.
Common mistake
Leaving past mental health treatment off the 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.