LLQP Accident & Sickness · Component 1.1 · 35% of the exam
Which of the following would be recorded under a client's 'lifestyle' for A&S purposes?
- Hazardous sports, alcohol and drug use, driving record and similar risk activities
- BHours worked per week and the distance of the client's daily commute, since fatigue raises the risk of injury
- CThe client's religious affiliation and level of community involvement
- DDiet and exercise habits as reported by the client's family physician
Correct answer: A) Hazardous sports, alcohol and drug use, driving record and similar risk activities
Lifestyle factors bear on morbidity. Hazardous avocations often lead to exclusions in DI; substance use affects both DI and CI underwriting.
Why the other options are wrong
- BWorking hours belong to the occupation, not lifestyle underwriting.
- CReligion is not an underwriting factor and may not be asked.
- DPhysicians report conditions; lifestyle is what the client discloses about activities and habits.
Exam tip
Lifestyle = activities and habits that change morbidity risk.
Common mistake
Failing to disclose a hazardous hobby that later becomes an excluded cause of claim.
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?
- Which of the following health facts is most relevant to a client's disability insurance situation?
Practice the whole Accident & Sickness module
Timed sets weighted like the exam, and review of every question you miss. Free to start.