LLQP Accident & Sickness · Component 3.1 · 25% of the exam
Which medical history is most likely to result in an exclusion rider rather than a decline on a DI application?
- A resolved back or knee injury — a localized condition that can be carved out
- BActive cancer under treatment, which can be excluded while the rest of the policy is issued normally
- CUncontrolled diabetes, which can be excluded while coverage for accidental injury is issued
- DRecent heart surgery, which can be excluded once the surgeon confirms a satisfactory outcome
Correct answer: A) A resolved back or knee injury — a localized condition that can be carved out
Exclusions suit localized, recurrent but non-life-threatening conditions. Systemic or serious conditions lead to ratings, postponement or decline.
Why the other options are wrong
- BActive cancer is a decline or postponement.
- CUncontrolled diabetes is a rating or decline.
- DRecent cardiac surgery typically leads to postponement or decline.
Exam tip
Localized conditions → exclusion rider; systemic conditions → rating/decline.
Common mistake
Telling a client with back history their DI will be declined outright.
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.