LLQP Accident & Sickness · Component 4.2 · 10% of the exam
After a client's A&S claim has been paid, the agent's continuing service should include:
- AClosing the file, since the policy has delivered what the client bought it for
- BCancelling the client's remaining coverage, since a paid claim usually ends the relationship
- CApplying for a new policy on the same life, since the paid claim has restored the client's insurability
- Reviewing what the claim revealed about the client's remaining gaps and updating the plan
Correct answer: D) Reviewing what the claim revealed about the client's remaining gaps and updating the plan
A claim is the clearest possible test of a plan, and it usually exposes both what worked and what the client would want covered differently next time.
Why the other options are wrong
- AThe client's circumstances have changed and the plan should follow.
- BRemaining coverage is often the most valuable thing the client owns.
- CA claim does not improve insurability; it usually reduces it.
Exam tip
A paid claim is the start of the next review, not the end of the file.
Common mistake
Disappearing once the benefit has been paid.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.