LLQP Accident & Sickness · Component 1.3 · 35% of the exam
A client with a serious chronic condition is likely uninsurable for DI and CI. The agent should:
- AEnd the engagement, since no product can be recommended to an uninsurable client
- BSell life insurance instead, since it is the only product that remains available
- CDescribe the condition in general terms so that the application can pass underwriting
- Articulate the needs, then look at group, government and guaranteed-issue resources
Correct answer: D) Articulate the needs, then look at group, government and guaranteed-issue resources
Needs exist regardless of insurability. The agent's role is to find the best available answer: group plans with non-evidence maximums, government benefits, and financial planning.
Why the other options are wrong
- AUninsurable clients still have needs to plan for.
- BLife insurance does not address disability, and may also be hard to obtain.
- CSoftening a material condition is misrepresentation.
Exam tip
Uninsurable client: group (non-evidence), government, savings — and document.
Common mistake
Ending the engagement at 'uninsurable'.
What this tests
CISRO competency component 1.3 — 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.