LLQP Accident & Sickness · Component 3.3 · 25% of the exam
For a CI application, the implementation step should specifically confirm that the client understands:
- AThe occupational class assigned, since it determines the premium charged for each of the covered conditions
- The survival period, cancer moratorium, definitions, pre-existing rules and any ROP vesting
- COnly the premium, since the covered conditions and their definitions are standardized across Canadian insurers
- DThe waiting period before benefits begin, which runs from the date of diagnosis of the covered condition
Correct answer: B) The survival period, cancer moratorium, definitions, pre-existing rules and any ROP vesting
CI's distinctive provisions are the ones that cause claim disputes. Confirming understanding at implementation is prudent.
Why the other options are wrong
- AOccupational class is a DI concept.
- CProvisions matter as much as price.
- DCI has a survival period, not a benefit waiting period.
Exam tip
CI delivery: survival period, moratorium, definitions, pre-ex, ROP vesting.
Common mistake
Delivering CI without explaining the 90-day cancer moratorium.
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.