LLQP Accident & Sickness · Component 3.1 · 25% of the exam
The four main areas of individual disability underwriting are:
- Medical, financial, occupational and lifestyle
- BEmployer, union, province and industry, as for a group plan
- CAge, sex, height and weight, as for a paramedical examination
- DCredit history, criminal record, marital status and residence
Correct answer: A) Medical, financial, occupational and lifestyle
DI underwriting is broader than life underwriting because morbidity depends on occupation and income as much as health. The curriculum lists these criteria under 'impact of underwriting criteria'.
Why the other options are wrong
- BThese are group underwriting factors.
- CThese are inputs within medical underwriting.
- DCredit and marital status are not standard DI criteria.
Exam tip
DI underwriting = medical + financial + occupational + lifestyle.
Common mistake
Assuming DI underwriting is only about health.
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.