LLQP Accident & Sickness · Component 3.1 · 25% of the exam
A family history of two first-degree relatives with cancer before age 60 on a CI application is likely to result in:
- A rating, an exclusion of the relevant cancer type, or a decline, depending on the insurer
- BA discount, since the client is likely to be screened regularly for the condition by a physician
- CNo effect, since family history cannot be used under the federal Genetic Non-Discrimination Act
- DAutomatic issue at standard rates, since the client has no personal history of cancer
Correct answer: A) A rating, an exclusion of the relevant cancer type, or a decline, depending on the insurer
Insurers score family history by number of relatives, age at diagnosis and the condition. Strong histories produce adverse outcomes.
Why the other options are wrong
- BRisk does not earn discounts.
- CFamily history questions remain permitted; only genetic test results are protected.
- DStrong family history is not standard.
Exam tip
Family history scoring: number of relatives, ages, conditions.
Common mistake
Promising standard CI rates before underwriting.
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.