LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Lifestyle underwriting for DI considers:
- AReading habits and daily screen time, which together indicate a sedentary lifestyle
- BPolitical and community activities that could expose the insured to stress or conflict
- Hazardous sports, alcohol and drug use, driving record and foreign travel or residence
- DDiet only, since eating habits are the strongest single predictor of future illness
Correct answer: C) Hazardous sports, alcohol and drug use, driving record and foreign travel or residence
Avocation exclusions are common in DI; substance use may lead to decline; driving convictions matter for accident risk.
Why the other options are wrong
- AReading is irrelevant to underwriting.
- BPolitical views are irrelevant and may not be asked.
- DDiet is minor relative to hazardous activities and substance use.
Exam tip
Lifestyle: hazardous avocations (exclude/rate), substance use, driving, travel.
Common mistake
Omitting a hazardous hobby the client considers 'occasional'.
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.