LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client mentions that she is currently receiving physiotherapy for a shoulder injury that is improving. The agent should:
- ADecline to take the application, since an applicant under active treatment cannot be underwritten
- BDescribe the shoulder as fully recovered, since the client reports that it is improving steadily
- CWait until the physiotherapy has finished before mentioning it, since the condition is resolving
- Record the injury, the treatment and the prognosis, and expect the insurer to postpone or exclude
Correct answer: D) Record the injury, the treatment and the prognosis, and expect the insurer to postpone or exclude
An unresolved condition under active treatment is exactly what an underwriter needs to assess, and the likely outcome is a postponement or an exclusion rather than a decline.
Why the other options are wrong
- AApplicants under treatment are routinely underwritten, often with a temporary postponement.
- BDescribing an injury as recovered when treatment continues is a misrepresentation.
- CWithholding a current condition until treatment ends is a material non-disclosure.
Exam tip
Active treatment usually means postpone or exclude, not decline.
Common mistake
Waiting for a condition to clear before disclosing it.
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.