LLQP Ethics & Professional Practice · Component 2.2 · 40% of the exam
A client with limited English asks a relative to interpret. The agent should:
- ADecline to serve the client, since informed consent cannot be obtained across a language barrier
- BProceed without concern, since a family member who speaks both languages can convey the information accurately and completely
- Take extra care: use qualified interpretation, provide accessible documents, confirm understanding, and document
- DLet the relative make the decisions, since the relative understands both the products and the client's situation
Correct answer: C) Take extra care: use qualified interpretation, provide accessible documents, confirm understanding, and document
Language barriers heighten the duty to ensure understanding; relatives may have conflicts.
Why the other options are wrong
- AThe client should be served, with extra care.
- BUnderstanding must be verified.
- DThe client, not the relative, decides.
Exam tip
Language barrier: ensure understanding, document.
Common mistake
Accepting a relative's assurance that the client 'gets it'.
What this tests
CISRO competency component 2.2 — 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.