LLQP Accident & Sickness · Component 1.1 · 35% of the exam
For a group A&S client, the 'employee data sheet' provides:
- AThe employer's financial statements, used to confirm it can afford the premiums
- BThe group's paid claims over the past two years, broken down by benefit type
- The census of ages, sexes, salaries, occupations and dependants used to quote
- DEach employee's completed medical questionnaire for individual underwriting
Correct answer: C) The census of ages, sexes, salaries, occupations and dependants used to quote
The curriculum lists the employee data sheet under the group client's situation. Group pricing is built on the census; accuracy matters for both the quote and future renewals.
Why the other options are wrong
- AFinancial statements are a separate item; the data sheet describes the people.
- BClaims history is the separate 'two years of claims experience' item.
- DGroup members are not individually underwritten within the non-evidence maximum.
Exam tip
Group quote inputs: nature of business, employee census, two years of claims experience.
Common mistake
Submitting an out-of-date census for a group quote.
What this tests
CISRO competency component 1.1 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.