LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Foreign residence or extended travel in DI underwriting may result in:
- AAn automatic decline wherever the destination is outside North America or Western Europe
- Exclusion of disabilities arising in certain countries, postponement, or a residency condition before claiming
- CA discount, since frequent travellers are screened for fitness before every trip abroad
- DNothing, since disability is underwritten on health and occupation rather than on travel
Correct answer: B) Exclusion of disabilities arising in certain countries, postponement, or a residency condition before claiming
Insurers manage claims risk abroad through exclusions and residency requirements. Travel plans must be disclosed.
Why the other options are wrong
- AMost travel is insurable with conditions.
- CRisk does not earn discounts.
- DTravel is a listed factor.
Exam tip
Foreign travel/residence: exclusions, postponement or residency conditions.
Common mistake
Omitting an upcoming overseas assignment from the application.
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.