LLQP Accident & Sickness · Component 3.1 · 25% of the exam
An applicant for disability coverage works two jobs totalling seventy hours a week. The underwriter is likely to:
- AUse the occupation in which the applicant earns the most, ignoring the second entirely
- Assess the hazards of both occupations and apply the class of the more hazardous one
- CTreat the second job as a hobby, since only the principal occupation is underwritten
- DDecline the application, since no insurer will cover an applicant working more than sixty hours
Correct answer: B) Assess the hazards of both occupations and apply the class of the more hazardous one
The insurer prices the risk the applicant actually runs, and a second occupation with heavier duties governs the class even if it produces the smaller share of income.
Why the other options are wrong
- AIncome determines the amount, but hazard determines the class.
- CA paid second occupation is never treated as a hobby.
- DLong hours are a consideration, not a bar to coverage.
Exam tip
The riskier duties set the class, whatever they pay.
Common mistake
Recording only the client's main job on the application.
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.