LLQP Ethics & Professional Practice · Component 2.2 · 40% of the exam
An agent emails a client's completed health questionnaire to an underwriter without encryption. The agent should recognize that:
- sensitive information requires appropriate protection in transit as well as in storage
- Bemail is inherently secure, so no additional protection is needed for health information
- Cthe obligation belongs to the insurer once the message has been sent from the agent's computer
- Dencryption is required only where a client has specifically asked for it in writing
Correct answer: A) sensitive information requires appropriate protection in transit as well as in storage
Health information is among the most sensitive data an agent handles. Safeguards apply while the information moves as well as while it sits, so secure portals or encryption should be used as a matter of routine.
Why the other options are wrong
- BOrdinary email is not a secure channel for sensitive information.
- CThe agent's obligation applies to how the agent transmits the data.
- DProtection is required by the sensitivity, not by a client's request.
Exam tip
Protect sensitive data in transit, not only at rest.
Common mistake
Emailing health questionnaires as ordinary attachments.
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.