LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client tells the agent she is pregnant and plans to apply for disability coverage. The agent should explain that insurers:
- ARefuse all applications from pregnant clients, since pregnancy is an insurable event in itself
- Will often issue, though some postpone until after delivery, and normal pregnancy is not a covered disability
- CWill issue coverage that pays a benefit throughout her parental leave in place of employment insurance
- DTreat pregnancy as a hazardous condition attracting a permanent rating on the disability policy
Correct answer: B) Will often issue, though some postpone until after delivery, and normal pregnancy is not a covered disability
Practice varies between insurers, but pregnancy is a temporary underwriting consideration rather than a disqualification, and an uncomplicated pregnancy is not itself a claim.
Why the other options are wrong
- APregnant applicants are regularly issued coverage, sometimes after delivery.
- CDisability coverage does not substitute for parental leave benefits.
- DPregnancy is temporary and does not carry a permanent rating.
Exam tip
Pregnancy may postpone an application; it does not end it.
Common mistake
Promising a client that a disability policy will cover her parental leave.
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.