LLQP Life Insurance · Component 3.1 · 25% of the exam
A blood and urine profile in life underwriting can detect:
- AOnly blood type, which insurers record so that a claim can be matched to the correct insured
- BThe applicant's income, since certain markers in the blood correlate with occupation and earnings
- CNothing relevant to underwriting, since laboratory results are too variable to be used in assessing mortality
- Indicators such as nicotine use, elevated glucose or cholesterol, organ function and certain infections
Correct answer: D) Indicators such as nicotine use, elevated glucose or cholesterol, organ function and certain infections
Laboratory results are objective evidence that can confirm or contradict the application. Cotinine, for example, verifies smoker status. The agent should tell clients what tests look for so they answer honestly.
Why the other options are wrong
- ABlood type is not the purpose.
- BIncome is verified by documents, not blood tests.
- CLab results are highly relevant to mortality.
Exam tip
Lab tests check the application's answers; nicotine tests catch misstated smoking status.
Common mistake
Letting a client believe smoking status cannot be verified.
What this tests
CISRO competency component 3.1 — Implement a recommendation adapted to the client's needs and situation — which is weighted at 25% of the Life Insurance module. Written against the published curriculum.
More from component 3
- At policy delivery, the agent should obtain:
- The effective date of a life insurance policy is generally:
- A client's application is approved but he has not paid the first premium when the policy is delivered. The agent should:
- A pre-authorized debit form is part of implementation because:
- During implementation, the agent learns the client wants the policy owned by her corporation instead of personally, as first applied for. The correct step is:
- Which of the following is a legitimate reason an insurer might refuse to issue a policy even after favourable underwriting?
Practice the whole Life Insurance module
Timed sets weighted like the exam, and review of every question you miss. Free to start.