LLQP Accident & Sickness · Component 3.1 · 25% of the exam
An applicant for disability coverage holds a private pilot's licence and flies about fifty hours a year. The usual outcome is:
- AStandard issue, since recreational flying is not a factor in disability underwriting
- An aviation questionnaire, followed by an exclusion or a flat extra premium for the activity
- CIssue with a shortened benefit period, reflecting the higher chance of a catastrophic claim
- DDecline the application, since private aviation is treated as an uninsurable hazard by every Canadian insurer
Correct answer: B) An aviation questionnaire, followed by an exclusion or a flat extra premium for the activity
Aviation is underwritten on hours, licence type, aircraft and purpose, and insurers usually respond by excluding the activity or charging an additional amount for it.
Why the other options are wrong
- AAviation questions appear on every A&S application.
- CBenefit periods are chosen by the applicant, not adjusted for avocations.
- DPrivate pilots are insured regularly with a rating or an exclusion.
Exam tip
Aviation is priced or excluded, not declined.
Common mistake
Omitting a flying hobby because the client is not a commercial pilot.
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.