LLQP Accident & Sickness · Component 3.1 · 25% of the exam
The genetic testing position in Canadian insurance underwriting is that insurers:
- AMay use existing genetic test results without the applicant's consent if they are on file with a physician
- BMust test every applicant for hereditary conditions before issuing critical illness coverage
- CMay require a genetic test whenever the family history suggests a hereditary condition
- Cannot require genetic tests or disclosure of results, though family history may still be asked
Correct answer: D) Cannot require genetic tests or disclosure of results, though family history may still be asked
The Genetic Non-Discrimination Act prohibits requiring genetic tests or disclosure of results as a condition of contracts, including insurance. Family history questions remain permitted.
Why the other options are wrong
- AUsing results without consent is prohibited.
- BTesting cannot be required.
- CRequiring tests is prohibited.
Exam tip
No genetic test requirement or disclosure; family history questions allowed.
Common mistake
Asking an applicant for genetic test results.
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.