LLQP Accident & Sickness · Component 3.3 · 25% of the exam
At delivery the agent should explain the A&S policy's claim procedure because:
- AClaims cannot be submitted unless the agent countersigns the forms on the client's behalf
- BThe client must waive the right to claim before the policy can be placed in force
- CThe insurer requires the agent to certify that the client can complete the claim forms unaided
- A claimant who misses the notice or proof deadlines can have benefits reduced or refused
Correct answer: D) A claimant who misses the notice or proof deadlines can have benefits reduced or refused
The statutory conditions set time limits for notice and proof of loss, and a client who learns about them only at claim time may already be outside them.
Why the other options are wrong
- AClaimants submit their own forms; the agent assists.
- BNo waiver of the right to claim exists or could be valid.
- CNo certification of the client's competence is required.
Exam tip
Explain notice and proof deadlines at delivery, not at claim.
Common mistake
Delivering a policy without walking through how a claim is made.
What this tests
CISRO competency component 3.3 — 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.