LLQP Accident & Sickness · Component 3.1 · 25% of the exam
A DI applicant discloses a DUI conviction two years ago. The underwriter will likely:
- AIgnore it, since driving offences are a matter for auto insurance rather than disability
- BDecline automatically, since any alcohol-related conviction bars disability coverage
- CRequire a co-signer to guarantee the premiums for the first two policy years
- Weigh it as evidence of alcohol use and accident risk; one older conviction may be acceptable
Correct answer: D) Weigh it as evidence of alcohol use and accident risk; one older conviction may be acceptable
Driving records signal accident and substance risk. Frequency and recency drive the decision.
Why the other options are wrong
- AIt is a listed lifestyle factor.
- BA single older conviction is often insurable.
- CCo-signers are not an insurance concept.
Exam tip
Driving convictions: frequency and recency determine impact.
Common mistake
Not asking about driving record.
What this tests
CISRO competency component 3.1 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Accident & Sickness module. Written against the published curriculum.
More from component 3
- An underwriter assigns a disability applicant to occupational class 2 rather than class 4. The practical effect is that:
- A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- Financial underwriting for an individual disability application exists to:
- A critical illness applicant's mother and sister both had breast cancer before fifty. The underwriter is likely to:
- An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.