LLQP Accident & Sickness · Component 3.1 · 25% of the exam
An applicant's build falls outside the insurer's height and weight table. For disability coverage this is likely to mean:
- AA shorter waiting period, since the insurer expects claims to be shorter for such applicants
- BAn automatic decline, since applicants outside the table cannot be assessed by any insurer
- A rating or an exclusion, since build correlates with several conditions that cause disability claims
- DNo effect at all, since build is considered in life underwriting but is not used in disability underwriting
Correct answer: C) A rating or an exclusion, since build correlates with several conditions that cause disability claims
Build sits alongside blood pressure and laboratory results as a core medical factor, and it bears on the musculoskeletal and metabolic conditions that produce long claims.
Why the other options are wrong
- AWaiting periods are the applicant's choice, not an underwriting response.
- BApplicants outside the table are usually offered coverage on modified terms.
- DBuild is very much a disability underwriting factor.
Exam tip
Build matters as much for morbidity as for mortality.
Common mistake
Recording an approximate weight 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.