LLQP Accident & Sickness · Component 3.3 · 25% of the exam
For LTC implementation, the insurer may require:
- ANothing beyond the application form, since long-term care insurance is issued without medical underwriting
- BThe business's financial statements, since long-term care premiums are usually paid by an employer
- A cognitive and functional assessment, physician records, and an acknowledgment of triggers and wait
- DA driver's abstract, since the ability to drive is used as a proxy for the applicant's functional capacity
Correct answer: C) A cognitive and functional assessment, physician records, and an acknowledgment of triggers and wait
LTC underwriting is assessment-based. The client should be prepared for the interview.
Why the other options are wrong
- AAssessments are common, especially for older applicants.
- BBusiness documents are irrelevant.
- DDriving records are a DI factor.
Exam tip
LTC implementation: prepare the client for the cognitive/functional interview.
Common mistake
Not warning the client about the assessment call.
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.