LLQP Ethics & Professional Practice · Component 2.2 · 40% of the exam
An agent posts on social media that a claim was paid quickly, naming the family and their circumstances. This is:
- a breach of confidentiality and privacy, since the family's information was disclosed
- Bacceptable if the agent believes the family would have been pleased to be mentioned
- Cacceptable provided the post is deleted within twenty-four hours of being published
- Dacceptable because the story reflects well on both the insurer and the agent's service
Correct answer: A) a breach of confidentiality and privacy, since the family's information was disclosed
Client information, including the existence of a policy and the payment of a claim, is confidential. Sharing it without consent breaches both the duty of confidentiality and privacy legislation, whatever the intention.
Why the other options are wrong
- BAn assumed reaction is not consent.
- CDeleting a post does not undo the disclosure already made.
- DA favourable story is still a disclosure of confidential information.
Exam tip
The existence of a policy or a claim is itself confidential information.
Common mistake
Sharing a positive client story without written consent.
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.