LLQP Accident & Sickness · Component 3.3 · 25% of the exam
Before submitting an A&S application, the agent must ensure that:
- AThe applicant has been examined by the insurer's own physician at the insurer's expense
- Every question is asked and answered by the applicant, who reviews and signs the answers
- CThe applicant's employer has confirmed the income figure in writing on company letterhead
- DThe insurer has pre-approved the applicant's occupational class and the amount applied for
Correct answer: B) Every question is asked and answered by the applicant, who reviews and signs the answers
The application forms part of the contract, so the answers must be the applicant's own and the applicant must have the opportunity to review them before signing.
Why the other options are wrong
- AMedical requirements are ordered by the insurer only where the grid calls for them.
- CIncome verification is requested by the underwriter when it is needed.
- DClass and amount are decided during underwriting, not before submission.
Exam tip
Ask every question, record the answer, have the client read and sign.
Common mistake
Completing an application from what the agent already knows.
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.