LLQP Accident & Sickness · Component 3.3 · 25% of the exam
The agent's duty when completing an A&S application is to:
- Ask every question, record the answers accurately, and explain the duty of disclosure
- BSkip questions the client finds intrusive, since the paramedical examination will collect the same information
- CMove quickly through the health questions, since detailed answers only delay the underwriting decision
- DFill in the answers the agent believes to be right, based on long knowledge of the client's medical history
Correct answer: A) Ask every question, record the answers accurately, and explain the duty of disclosure
The agent is the insurer's representative in taking the application and the client's advisor on disclosure. Both roles require accuracy.
Why the other options are wrong
- BAll questions must be answered.
- CHaste causes omissions.
- DAnswers must be the client's.
Exam tip
Ask every question; record exactly; explain disclosure.
Common mistake
Answering 'no' to health questions the client hesitated on.
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.