LLQP Accident & Sickness · Component 2.1 · 30% of the exam
Under provincial uniform accident and sickness legislation, the insurer must be notified of a claim:
- AOnly at the policy's next renewal date, when the annual statement of health is filed
- BNever, since the attending physician's report to the insurer serves as notice of the claim
- Within a stated period, commonly 30 days, with proof of loss within a further 90 days
- DWithin 24 hours of the injury or the onset of the illness, by telephone to the insurer
Correct answer: C) Within a stated period, commonly 30 days, with proof of loss within a further 90 days
Statutory conditions set notice and proof timelines, with relief for reasonable delay. Agents should tell clients to notify promptly.
Why the other options are wrong
- AClaims are notified when they occur, not at renewal.
- BNotice of claim is a statutory condition; it cannot be skipped.
- DThe statutory periods are far longer than a day.
Exam tip
Notice ~30 days, proof ~90 days, relief for reasonable delay.
Common mistake
Delaying a claim notice until the waiting period ends.
What this tests
CISRO competency component 2.1 — Analyze the available products that meet the client's needs — which is weighted at 30% of the Accident & Sickness module. Written against the published curriculum.
More from component 2
- A group benefits booklet lists AD&D coverage alongside life and LTD. The AD&D benefit pays:
- A hospital indemnity (hospital cash) policy pays:
- Employment Insurance sickness benefits are available to:
- Which government program coordinates with an individual DI policy through a possible offset AND also affects the definition of insurable income?
- A group plan's 'eligibility waiting period' (probationary period) is:
- A CI policy that is 'convertible' allows the insured to:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.