LLQP Accident & Sickness · Component 4.1 · 10% of the exam
A DI policyholder changes from an office job to a construction job. The correct service action is:
- AKeep the change from the insurer, since the policy was issued on the office occupation and the premium is locked
- BDo nothing, since a non-cancellable policy cannot be affected by anything that happens after issue
- Inform the insurer, since the change-of-occupation provision may adjust benefits, and document the new duties
- DCancel the policy and apply for new coverage in the construction class at current rates
Correct answer: C) Inform the insurer, since the change-of-occupation provision may adjust benefits, and document the new duties
Occupation is material to DI. Even where non-can policies protect existing coverage, the insurer must be told for future changes and claim clarity.
Why the other options are wrong
- AConcealment is misconduct.
- BNon-can protects the contract but occupation change may still matter.
- DCancellation is unnecessary.
Exam tip
Occupation change → inform insurer; check the change-of-occupation clause.
Common mistake
Assuming non-cancellable means occupation changes are irrelevant.
What this tests
CISRO competency component 4.1 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.