LLQP Accident & Sickness · Component 3.3 · 25% of the exam
The implementation of an A&S recommendation is complete when:
- AThe application and the first premium have been submitted to the insurer's head office
- BThe insurer has approved the application and issued the contract to the agent for delivery
- CThe agent has been paid the first-year commission on the policy that was issued
- The policy is in force as designed, the client has the contract and a review date is set
Correct answer: D) The policy is in force as designed, the client has the contract and a review date is set
Implementation ends with a contract that matches the recommendation, in the client's hands, with the service relationship set up to continue.
Why the other options are wrong
- ASubmission is the start of underwriting, not the end of implementation.
- BIssue is not delivery, and delivery carries its own requirements.
- CCommission has nothing to do with whether the client is protected.
Exam tip
In force, delivered, explained, and diarized for review.
Common mistake
Treating an issued policy as a completed file before it has been delivered.
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.