LLQP Accident & Sickness · Component 3.3 · 25% of the exam
Privacy obligations during implementation require the agent to:
- AKeep no records of the application, since the insurer holds the only copy of the client's personal information
- BPost the application to the insurer by ordinary mail, since electronic transmission cannot be made secure
- Collect only what is needed, obtain consent, safeguard it and disclose it only as authorized
- DShare client information freely with colleagues so that service can continue whenever the agent is absent
Correct answer: C) Collect only what is needed, obtain consent, safeguard it and disclose it only as authorized
Privacy legislation (PIPEDA and provincial equivalents) governs personal health information. The application's consent section authorizes medical inquiries.
Why the other options are wrong
- ARecords must be kept securely.
- BDisclosure must be authorized; the mailing method is not the issue.
- DData must be protected.
Exam tip
Privacy: consent, minimal collection, safeguarding, authorized disclosure.
Common mistake
Emailing unencrypted medical information.
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.