LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client volunteers as a firefighter on evenings and weekends. In the fact-find this should be recorded because:
- AIt changes the beneficiary rules, since a volunteer's benefit is payable to the municipality
- BVolunteer work is excluded from every disability policy, so it does not affect the recommendation
- It is a hazardous avocation that the insurer will underwrite and may rate or exclude
- DVolunteers cannot be insured for disability while they hold an active service position
Correct answer: C) It is a hazardous avocation that the insurer will underwrite and may rate or exclude
Firefighting is a recognized hazard whether or not the client is paid for it, and the underwriter needs the frequency and nature of the activity to price or exclude it.
Why the other options are wrong
- ADisability benefits are payable to the insured, and a municipality has no claim on them.
- BHazardous avocations are underwritten; they are not automatically outside the coverage.
- DVolunteer firefighters are insurable, often with a rating or an exclusion.
Exam tip
Unpaid hazards count; the underwriter cares about the activity, not the pay.
Common mistake
Leaving volunteer hazards off the application because they are not the client's job.
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.