LLQP Accident & Sickness · Component 3.2 · 25% of the exam
When recommending CI for a client with a strong family history of heart disease, the agent should set expectations that:
- AStandard rates are certain, since the client has no personal history of heart disease of any kind
- Underwriting may rate or exclude cardiac conditions, and the recommendation may need revising
- CThe application will certainly be declined, so the client should not bother going through underwriting
- DFamily history is irrelevant to CI underwriting, which considers only the applicant's own medical history
Correct answer: B) Underwriting may rate or exclude cardiac conditions, and the recommendation may need revising
Underwriting outcomes affect the recommendation. Managing expectations avoids disappointment and supports honest presentation.
Why the other options are wrong
- AFamily history often affects the offer.
- CDecline is not certain.
- DIt is central to CI underwriting.
Exam tip
Set expectations for possible ratings/exclusions before underwriting.
Common mistake
Promising standard CI rates to a client with strong family history.
What this tests
CISRO competency component 3.2 — 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.