LLQP Accident & Sickness · Component 3.1 · 25% of the exam
A disability applicant discloses a back condition that resolved four years ago with no recurrence. The likely underwriting outcome is:
- AA postponement of two further years, since the condition must be clear for six years in total
- BIssue at standard rates with a temporary flat extra that is removed at the first policy anniversary
- CAn immediate decline, since back conditions are among the commonest causes of disability claims
- Standard issue, or issue with a back exclusion, depending on the severity and the records
Correct answer: D) Standard issue, or issue with a back exclusion, depending on the severity and the records
Musculoskeletal history is assessed on its severity, treatment and duration, and the typical response is either a clean offer or an exclusion of the affected area rather than a refusal.
Why the other options are wrong
- ANo fixed six-year rule exists for musculoskeletal history.
- BFlat extras are used for hazards rather than for a resolved back condition.
- CResolved back conditions are insured routinely, often with an exclusion.
Exam tip
Resolved musculoskeletal history usually means an exclusion, not a decline.
Common mistake
Telling a client an old back injury will not affect the offer.
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:
- 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:
- An applicant is a professional with a high income but heavy business debt. In financial underwriting the debt:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.