LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A client's occupational class makes an own-occupation definition unavailable. The agent should:
- ASuggest the client change occupations so that the preferred definition becomes available
- Recommend the best definition available to the class and explain how it differs from own occupation
- CTell the client that no disability coverage can be issued in his occupational class
- DApply for the own-occupation definition anyway and let the underwriter decide what it is prepared to issue
Correct answer: B) Recommend the best definition available to the class and explain how it differs from own occupation
The definition on offer varies by class, and the client's decision rests on understanding when benefits would stop under the wording he can actually buy.
Why the other options are wrong
- AAdvising a client to change occupation to suit a product is absurd.
- CCoverage is available; the definition is simply narrower.
- DApplying for a feature the class cannot have wastes time and raises expectations.
Exam tip
Recommend the best definition the class allows, and explain its limits.
Common mistake
Promising own-occupation coverage before checking the class.
What this tests
CISRO competency component 3.2 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.