LLQP Accident & Sickness · Component 4.1 · 10% of the exam
When a client moves to another province, the agent should:
- Update the insurer's records, confirm licensing in the new province, and review provincial health differences
- BDo nothing, since an individual policy is portable and the client's address has no bearing on the coverage
- CCancel the policy and rewrite it with an insurer licensed in the new province at the client's current age
- DRewrite the policy under the new province's Insurance Act, since the contract is governed by the province of residence
Correct answer: A) Update the insurer's records, confirm licensing in the new province, and review provincial health differences
Licensing is provincial; provincial health coverage differs. Both affect service.
Why the other options are wrong
- BLicensing and coverage implications arise.
- CThe individual policy continues.
- DThe policy is portable across provinces.
Exam tip
Interprovincial move: licence check, records update, provincial plan review.
Common mistake
Servicing a client in a province where the agent is not licensed.
What this tests
CISRO competency component 4.1 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Accident & Sickness module. Written against the published curriculum.
More from component 4
- The agent's role in the claims process is to:
- A client with a non-cancellable DI policy stops paying premiums after a dispute with the insurer about a claim. The agent should warn that:
- A client asks to reduce the waiting period on his in-force disability policy. The agent should explain that the change:
- A client's disability policy lapsed six weeks ago for non-payment. The agent should:
- A client on claim asks whether she must keep paying premiums. The accurate answer depends on:
- A client's non-cancellable disability policy reaches the expiry age stated in the contract. At that point:
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.