LLQP Accident & Sickness · Component 4.2 · 10% of the exam
The first thing an agent should tell a client who becomes disabled is to:
- Notify the insurer promptly, within the notice period, even though benefits start only after the wait
- BRetain a lawyer before contacting the insurer, so that every communication is reviewed for its effect on the claim
- CStop paying premiums immediately, since the waiver of premium provision applies from the first day of disability
- DWait until the waiting period has ended before contacting the insurer, since nothing is payable until then
Correct answer: A) Notify the insurer promptly, within the notice period, even though benefits start only after the wait
Notice and the waiting period are separate. Late notice can jeopardize the claim; early notice starts the process and any waiver of premium.
Why the other options are wrong
- BLawyers are for disputes.
- CPremiums continue until waiver is approved.
- DNotice is due promptly, before the waiting period ends.
Exam tip
Notify immediately; benefits start after the waiting period.
Common mistake
Waiting to notify until the waiting period has passed.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- When a client moves to another province, the agent should:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.