LLQP Accident & Sickness · Component 3.3 · 25% of the exam
If the client's health changes between application and delivery (for example, a new diagnosis), the agent must:
- ATell the client that the diagnosis need not be mentioned, since the underwriting decision has already been made
- BDeliver the policy anyway, since the insurer's approval was based on the application as it was submitted
- CTreat the change as immaterial, since the policy was approved before the diagnosis was ever made
- Withhold delivery and inform the insurer, since the offer is conditional on no change in insurability
Correct answer: D) Withhold delivery and inform the insurer, since the offer is conditional on no change in insurability
The delivery condition protects the insurer. Delivering with knowledge of a change exposes the client to rescission and the agent to liability.
Why the other options are wrong
- AConcealment is misconduct.
- BThe condition must be satisfied.
- CA new diagnosis is material to insurability and cannot be ignored.
Exam tip
Health change before delivery → report to insurer before delivering.
Common mistake
Delivering and hoping the change goes unnoticed.
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.