LLQP Accident & Sickness · Component 1.1 · 35% of the exam
A client with a family history of early-onset cancer asks which A&S product is most affected by that history. The agent should say:
- AAccidental death and dismemberment, which is priced on family medical history because hereditary conditions raise accident risk
- Critical illness, where family history of covered conditions drives exclusions and ratings
- CTravel medical insurance, which excludes all hereditary conditions outright
- DLong-term care, the only A&S product underwritten on family history
Correct answer: B) Critical illness, where family history of covered conditions drives exclusions and ratings
CI underwriting weighs family history heavily because the covered conditions (cancer, heart attack, stroke) have hereditary components. DI and LTC also consider it, but CI most directly.
Why the other options are wrong
- AAD&D is accident-only and ignores health history entirely.
- CTravel medical looks at pre-existing conditions and stability, not family history.
- DLTC considers it, but critical illness weighs family history most heavily.
Exam tip
Family history matters most in CI underwriting; collect it fully.
Common mistake
Failing to ask about family history before quoting CI.
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.