LLQP Accident & Sickness · Component 3.1 · 25% of the exam
In DI underwriting, a 'duties questionnaire' or 'occupational supplement' is used when:
- AThe client is a smoker, since nicotine use affects the occupational class assigned
- BThe client is over 60, since older applicants are placed in a separate class table
- The occupation is unusual, mixed, or self-employed, so the underwriter can set the correct class
- DEvery application, since insurers require it as a standard part of the file
Correct answer: C) The occupation is unusual, mixed, or self-employed, so the underwriter can set the correct class
Supplements clarify class where titles mislead. Percentages of time on administrative versus manual duties are typical questions.
Why the other options are wrong
- ASmoking triggers different requirements.
- BAge does not trigger it.
- DIt is triggered by the occupation.
Exam tip
Mixed or unusual duties → occupational supplement.
Common mistake
Guessing the class for a hybrid occupation.
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.