LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Occupational underwriting assigns a class based on:
- AThe class the client requests, since the client understands the duties of the job better than anyone
- BThe size of the employer, since larger employers offer safer and more stable working conditions
- CThe job title on the application, matched against the insurer's published occupation guide
- Actual duties, hazards and stability; the class sets premium and available definitions
Correct answer: D) Actual duties, hazards and stability; the class sets premium and available definitions
Insurers maintain occupation guides. Duties, not titles, determine class. Some occupations are uninsurable for DI (high hazard, unstable income).
Why the other options are wrong
- AClass is assessed by the underwriter, not chosen.
- BEmployer size is a group factor.
- CTitles are a starting point; duties decide.
Exam tip
Duties and hazards → occupational class → price, benefit period, definition.
Common mistake
Describing a client's job in the most favourable rather than accurate terms.
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.