LLQP Accident & Sickness · Component 3.1 · 25% of the exam
In CI underwriting, the most heavily weighted factor is typically:
- AHobbies and sports, since accidental injury is the leading cause of critical illness claims
- BOccupation, since workplace hazards determine the likelihood of developing a covered condition
- CIncome, since the insurer must confirm the lump sum does not exceed the client's annual earnings
- Personal and family history, especially cancer, heart disease and stroke, and smoking
Correct answer: D) Personal and family history, especially cancer, heart disease and stroke, and smoking
CI covers specific diseases with hereditary and lifestyle components, so family history and smoking dominate. Occupation and income matter less than in DI.
Why the other options are wrong
- AHobbies matter more for DI.
- BOccupation is a DI focus.
- CFinancial underwriting is lighter for CI.
Exam tip
CI underwriting: family history + smoking + personal history.
Common mistake
Quoting CI without a full family history.
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.