LLQP Ethics & Professional Practice · Component 2.1 · 40% of the exam
A client believes an insurer disclosed her health information improperly and the insurer's response has not satisfied her. She may next:
- Acomplain to the federal superintendent, which supervises information handling by insurers
- Bdo nothing further, since privacy matters end with the insurer's own written response
- complain to the privacy commissioner, which can investigate and make findings
- Dcomplain to the insurance council, which awards damages for breaches of privacy
Correct answer: C) complain to the privacy commissioner, which can investigate and make findings
Privacy legislation requires organizations to have an internal complaint process, and a person who remains dissatisfied can take the matter to the applicable federal or provincial commissioner for investigation.
Why the other options are wrong
- AThe federal superintendent supervises solvency rather than privacy compliance.
- BAn independent commissioner is available after the internal process.
- DCouncils discipline licensees; they do not award damages for privacy breaches.
Exam tip
Privacy complaints escalate from the organization to the commissioner.
Common mistake
Sending a privacy complaint to an insurance regulator.
What this tests
CISRO competency component 2.1 — Integrate into practice the rules governing the activities of life insurance agents — which is weighted at 40% of the Ethics & Professional Practice module. Written against the published curriculum.
More from component 2
- A prospective client wants to confirm that an agent is properly licensed before meeting him. She should:
- A dual-licensed agent's mutual fund business is reviewed following a client complaint. The review will be conducted by:
- Assuris coverage applies to:
- OLHI's services are available to:
- Complaints about an agent's conduct (as opposed to an insurer's claim decision) should be directed to:
- The best summary of an agent's ethical obligations is to:
Practice the whole Ethics & Professional Practice module
Timed sets weighted like the exam, and review of every question you miss. Free to start.