LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation for A&S coverage should be based on:
- The documented needs analysis — risks, amounts, durations, existing coverage, budget and insurability
- BWhat a client in similar circumstances bought, since comparable clients have comparable needs
- CThe product that pays the highest commission, since it funds the agent's ongoing service
- DThe insurer's current promotion, since promotional products offer the best value at the time
Correct answer: A) The documented needs analysis — risks, amounts, durations, existing coverage, budget and insurability
The curriculum places the recommendation after needs analysis and product analysis. Suitability is the standard.
Why the other options are wrong
- BAnother person's needs are irrelevant.
- CCompensation must not drive the recommendation.
- DPromotions do not define suitability.
Exam tip
Recommendation flows from the needs analysis; document the link.
Common mistake
Recommending a product before completing the analysis.
What this tests
CISRO competency component 3.2 — 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.