LLQP Accident & Sickness · Component 3.2 · 25% of the exam
A recommendation must be presented in a way that:
- APresents the strengths and leaves the limitations to the policy document the client will receive at delivery
- BCreates a sense of urgency so that the client makes a decision before circumstances have a chance to change
- CUses the technical vocabulary of the contract so that the client hears the exact terms that will govern a claim
- The client can understand — plain language, key provisions, what is and is not covered, and cost
Correct answer: D) The client can understand — plain language, key provisions, what is and is not covered, and cost
Fair presentation is a professional and regulatory duty. Hidden limitations cause claim disputes and complaints.
Why the other options are wrong
- AConcealment of limitations is misconduct.
- BPressure undermines informed consent.
- CJargon impedes understanding.
Exam tip
Plain language, covered and not covered, cost.
Common mistake
Skipping exclusions in the presentation.
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.