LLQP Accident & Sickness · Component 3.2 · 25% of the exam
The final element of a recommendation is to confirm that the client:
- APays the first premium in cash, so that conditional coverage can begin immediately on signing
- BSigns the application immediately, so that the recommendation is not overtaken by a change in health
- Understands and agrees with the recommendation, or chooses a documented variation
- DWaives the right to a free-look period in writing, so that the policy cannot later be returned
Correct answer: C) Understands and agrees with the recommendation, or chooses a documented variation
The recommendation step ends with informed agreement. Departures the client chooses are recorded to protect both parties.
Why the other options are wrong
- APayment method is an implementation detail.
- BUnderstanding precedes signing.
- DClients do not waive rights.
Exam tip
Close the recommendation with informed agreement and documentation.
Common mistake
Proceeding to the application before the client has agreed to the design.
What this tests
CISRO competency component 3.2 — 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.