LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Build (height and weight) affects A&S underwriting because:
- Obesity correlates with musculoskeletal, cardiovascular and CI conditions, so ratings apply above thresholds
- BIt does not, since disability underwriting is concerned with occupation rather than physical characteristics
- CIt determines the occupational class, since heavier applicants are assumed to do physical work
- DTall applicants pay more because height is associated with a higher risk of accidental injury
Correct answer: A) Obesity correlates with musculoskeletal, cardiovascular and CI conditions, so ratings apply above thresholds
Build tables set rating thresholds. Morbidity rises with obesity more sharply than mortality, making build important in DI.
Why the other options are wrong
- BBuild is a standard factor.
- COccupation class comes from duties.
- DHeight alone is not rated.
Exam tip
Build over threshold → rating; morbidity impact is significant.
Common mistake
Failing to collect accurate height and weight before quoting.
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.