LLQP Accident & Sickness · Component 3.3 · 25% of the exam
If a client refuses to answer an application question, the agent should:
- ALeave the question blank and submit the application, so that the insurer can follow up directly with the client
- BAnswer from what the agent already knows of the client's history, so that underwriting is not delayed
- CAnswer 'no', since a question the client will not answer is unlikely to reveal any material condition
- Explain that the insurer cannot underwrite without an answer, and that a false answer is worse than none
Correct answer: D) Explain that the insurer cannot underwrite without an answer, and that a false answer is worse than none
Incomplete applications stall. The agent must never fabricate an answer.
Why the other options are wrong
- ABlanks stop underwriting.
- BGuessing is misrepresentation.
- CFabricating an answer is misrepresentation.
Exam tip
No blanks, no guesses; explain why the answer is needed.
Common mistake
Filling in 'no' to keep the application moving.
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.