LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client's occupation involves frequent international travel to remote regions. For disability and critical illness underwriting this is:
- A risk factor: hazards and care access abroad can bring exclusions or postponement
- BAn automatic decline for disability coverage but not for critical illness
- CNeutral, because underwriting looks only at health history and occupation and never at where the work is performed
- DA reason for preferred rates, since frequent travellers are screened for fitness
Correct answer: A) A risk factor: hazards and care access abroad can bring exclusions or postponement
Travel and residence appear in the client's situation and in underwriting. Remote regions raise both the likelihood of illness or injury and the difficulty of treatment and claims handling.
Why the other options are wrong
- BMost travel is insurable with conditions; it is not an automatic decline.
- CTravel and residence are listed underwriting factors alongside health and occupation.
- DAdded risk never earns a discount.
Exam tip
Disclose travel patterns; exclusions for certain regions are common.
Common mistake
Omitting foreign work because it is 'temporary'.
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.