LLQP Accident & Sickness · Component 1.1 · 35% of the exam
Which of the following health facts is most relevant to a client's disability insurance situation?
- AWhich physicians and specialists the client has consulted in the past twelve months, and where their records are held
- BThe client's blood type and any known allergies to prescription medication
- CHow many paid sick days the client's employer allows in a calendar year
- Past and present conditions and current medications, which drive exclusions and ratings
Correct answer: D) Past and present conditions and current medications, which drive exclusions and ratings
The curriculum's health and medical situation items are past and present health issues and a list of medications. Chronic conditions (back problems, mental health, diabetes) frequently lead to exclusions or ratings in DI underwriting.
Why the other options are wrong
- APhysician names help retrieve records, but the conditions and medications are what matter.
- BBlood type is not an underwriting factor for disability insurance.
- CSick-leave entitlement is existing coverage, not a health fact.
Exam tip
Collect the full medication list; it reveals conditions the client may not think to mention.
Common mistake
Skipping the medication question because the client says they are healthy.
What this tests
CISRO competency component 1.1 — Assess the client's needs and situation — which is weighted at 35% of the Accident & Sickness module. Written against the published curriculum.
More from component 1
- The single most important fact for sizing a client's disability income need is:
- A client's beneficiaries for assets are listed in the fact-finding. Why does this matter for A&S planning?
- A client asks why the agent wants to know how assets are owned (jointly or individually). In the A&S context the answer is:
- A client mentions a back injury five years ago that fully resolved. The agent should:
- Which element of a client's situation most affects the definition of disability that should be recommended?
- Why does the disability needs analysis ask about the client's participation in employer-sponsored savings plans?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.