LLQP Accident & Sickness · Component 3.1 · 25% of the exam
An applicant reports taking medication for anxiety, prescribed by a family physician. The agent should expect the underwriter to:
- Ask for details of the diagnosis, treatment and time off work, and consider a rating or exclusion
- BIssue at preferred rates, since a client under treatment is being monitored more closely than most
- CIgnore the disclosure, since mental health is excluded from every disability contract in any event
- DDecline the application, since any psychiatric medication is an automatic refusal for A&S coverage
Correct answer: A) Ask for details of the diagnosis, treatment and time off work, and consider a rating or exclusion
Mental health conditions account for a large share of long-term disability claims, so the underwriter looks at severity, stability and work history before deciding on terms.
Why the other options are wrong
- BActive treatment does not earn a preferred class.
- CMental health conditions are covered by disability contracts unless excluded by endorsement.
- DTreated anxiety is commonly insured, sometimes with an exclusion.
Exam tip
Mental health disclosures are assessed on stability and time off work.
Common mistake
Advising a client to omit a prescription for anxiety.
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.