LLQP Accident & Sickness · Component 3.1 · 25% of the exam
The role of the attending physician's statement (APS) in A&S underwriting is to:
- ASet the premium rating, since the physician certifies the applicant's occupational class
- Provide the treating doctor's records on disclosed conditions so the underwriter can assess them
- CApprove the claim in advance, so that a future disability from the condition is automatically covered
- DReplace the application, since the physician's records are more reliable than the applicant's answers
Correct answer: B) Provide the treating doctor's records on disclosed conditions so the underwriter can assess them
APS requests are triggered by disclosed conditions or age/amount thresholds. They lengthen underwriting; agents should prepare clients for delays.
Why the other options are wrong
- AThe underwriter sets the rating.
- CClaims are adjudicated separately; an APS at underwriting does not approve anything.
- DThe application remains the basis of the contract.
Exam tip
APS = doctor's records for disclosed conditions; expect delays.
Common mistake
Failing to warn the client that an APS may take weeks.
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.