LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Whether an A&S applicant must complete a paramedical examination is normally decided by:
- AThe agent, who judges from the interview whether the applicant appears healthy enough
- The applicant's age and the benefit applied for, read against the insurer's requirement grid
- CThe province of residence, since each province sets its own medical evidence standards
- DThe applicant, who may choose between a questionnaire and a full medical examination
Correct answer: B) The applicant's age and the benefit applied for, read against the insurer's requirement grid
Requirements are systematic rather than discretionary, which is why an agent can usually tell a client in advance what evidence the application will attract.
Why the other options are wrong
- AAgents do not order or waive medical requirements.
- CMedical requirements are set by insurers, not by provincial regulators.
- DThe applicant does not select the evidence the insurer will accept.
Exam tip
Age and amount drive the requirements grid.
Common mistake
Promising a client there will be no medical before checking the grid.
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.