LLQP Accident & Sickness · Component 3.3 · 25% of the exam
A group A&S plan is being implemented. The sponsor must provide:
- AIndividual medical questionnaires from every employee who will be enrolled in the plan at its start
- BNothing beyond a signature, since the insurer assembles the enrolment information itself
- The master application, an accurate census, enrolment forms, the participation level and the first premium
- DTwo years of personal tax returns for each member so earnings can be verified for the formula
Correct answer: C) The master application, an accurate census, enrolment forms, the participation level and the first premium
The group contract rests on the sponsor's application and on accurate data about the covered population, and participation requirements must be met before the plan takes effect.
Why the other options are wrong
- AMembers are not individually underwritten within the non-evidence maximum.
- BThe sponsor supplies the census and the enrolment data.
- DEarnings are certified by the employer, not by members' tax returns.
Exam tip
Master application, census, enrolments, participation, premium.
Common mistake
Requesting a group quote from an incomplete census.
What this tests
CISRO competency component 3.3 — 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.