LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Smoker status in DI and CI underwriting is generally defined as:
- ASmoking cigars or a pipe only, since cigarettes are assessed under a separate lifestyle question
- BSmoking daily, since occasional social smoking does not affect the insurer's mortality assumptions
- CSmoking at any time in the past five years, whether or not the applicant has since quit
- Any use of tobacco or nicotine products, often including vaping, within a stated period such as 12 months
Correct answer: D) Any use of tobacco or nicotine products, often including vaping, within a stated period such as 12 months
Insurers' definitions are broad. A client who quit six months ago is usually still a smoker for rating. Nicotine is tested in paramedicals.
Why the other options are wrong
- AAll tobacco and nicotine products count.
- BOccasional use counts.
- CThe look-back is usually 12 months, not five years.
Exam tip
Smoker = any nicotine use in the past 12 months (insurer-specific).
Common mistake
Recording a recent quitter as a non-smoker.
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.