LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client tells the agent she has 'no health issues' but is on medication for high blood pressure. The agent should:
- Record the hypertension and medication, explaining that controlled conditions are usually insurable
- BRecord 'no health issues' exactly as stated, since the client signs the application
- CPostpone the application until the client has been off the medication for a year, when the condition is considered resolved
- DLeave the medication off, since the paramedical will reveal it in any case
Correct answer: A) Record the hypertension and medication, explaining that controlled conditions are usually insurable
Clients often equate 'controlled' with 'no issue'. Hypertension is material to DI and CI underwriting and is usually insurable when controlled. Disclosure protects the contract.
Why the other options are wrong
- BRecording a known false answer is a misrepresentation.
- CControlled hypertension is routinely insured; no postponement is needed.
- DEvery known condition must be disclosed on the application itself.
Exam tip
Ask about medications separately from 'health issues'; the answers differ.
Common mistake
Accepting 'healthy' at face value.
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.