LLQP Accident & Sickness · Component 3.3 · 25% of the exam
The agent's file for an implemented A&S recommendation should contain:
- The needs analysis, the recommendation and its reasons, disclosures, the application and delivery records
- BThe insurer's product brochures, which record what the client was shown during the presentation meeting
- COnly the signed application and the insurer's confirmation that the policy has been issued
- DOnly the client's contact details, so the policy can be serviced at renewal time
Correct answer: A) The needs analysis, the recommendation and its reasons, disclosures, the application and delivery records
The file has to show how the recommendation followed from the client's circumstances and what the client was told, because that is what a later review or complaint will test.
Why the other options are wrong
- BBrochures describe products, not the client's needs or the agent's reasoning.
- CAn application alone does not evidence suitability.
- DContact details record nothing about the advice given.
Exam tip
The file must show the reasoning, not just the transaction.
Common mistake
Keeping the application and nothing else.
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.