LLQP Accident & Sickness · Component 3.1 · 25% of the exam
A paramedical examination for DI or CI typically includes:
- AA full hospital workup including diagnostic imaging and a cardiac stress test
- BAn MRI of the spine to rule out the conditions that most commonly lead to disability claims
- Height, weight, blood pressure, blood and urine samples, and a medical questionnaire
- DA psychiatric assessment to screen for mental and nervous conditions before issue
Correct answer: C) Height, weight, blood pressure, blood and urine samples, and a medical questionnaire
Paramedicals are required above age/amount thresholds. Results influence ratings and may reveal undisclosed conditions.
Why the other options are wrong
- AIt is a limited screening.
- BImaging is not routine.
- DPsychiatric assessment is not standard.
Exam tip
Paramedical: vitals, blood, urine, questionnaire.
Common mistake
Telling a smoker they can qualify for non-smoker rates; nicotine tests detect it.
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.