LLQP Accident & Sickness · Component 3.1 · 25% of the exam
An applicant for long-term care coverage is seventy-two. The insurer is most likely to require:
- AOnly the completed application, since long-term care contracts are issued without medical evidence
- BA driving record, since the ability to drive is used as the principal test of functional capacity
- A cognitive assessment and physician records, alongside the usual medical and functional questions
- DProof of income, since long-term care benefits are capped at a percentage of the applicant's earnings
Correct answer: C) A cognitive assessment and physician records, alongside the usual medical and functional questions
Cognitive decline is a leading trigger for long-term care claims, so screening for it is standard at older issue ages alongside the usual medical evidence.
Why the other options are wrong
- ALong-term care is fully underwritten, particularly at older ages.
- BDriving records are a disability and life underwriting tool.
- DLong-term care benefits are not tied to earnings.
Exam tip
At older ages, long-term care underwriting looks hard at cognition.
Common mistake
Promising an older client a quick long-term care issue.
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:
- Group long-term disability coverage within the non-evidence maximum is issued without individual medical questions because:
- An applicant is a professional with a high income but heavy business debt. In financial underwriting the debt:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.