LLQP Accident & Sickness · Component 3.3 · 25% of the exam
At policy delivery, the agent should:
- Review the policy against the recommendation, explain amendments, obtain signatures, note the free-look
- BCollect the first-year commission from the client in person, since delivery is when the agent is paid
- CAsk the client to sign several blank change forms so that future amendments can be processed quickly
- DHand over the policy and leave, since the client has already agreed to the recommendation in full
Correct answer: A) Review the policy against the recommendation, explain amendments, obtain signatures, note the free-look
Delivery is the last checkpoint for understanding and accuracy. The free-look (rescission) period lets the client cancel for a full refund within a stated time (commonly 10 days).
Why the other options are wrong
- BCommission is not a delivery task.
- CBlank forms are never to be signed.
- DReviewing the policy with the client at delivery is an essential step.
Exam tip
Delivery: review, explain changes, sign acknowledgments, free-look notice.
Common mistake
Not obtaining a signed amendment for an exclusion rider.
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.