LLQP Life Insurance · Component 3.2 · 25% of the exam
A couple disagrees, with one wanting substantial coverage and the other seeing little value in it. The agent should:
- present the analysis to both, address the concerns raised and let them decide together
- Breduce the recommendation to the smallest amount both will accept without discussion
- Cpresent the recommendation to the more enthusiastic spouse and proceed with that person
- Ddecline to advise a household where the two partners do not already agree
Correct answer: A) present the analysis to both, address the concerns raised and let them decide together
Disagreement usually reflects different understandings of the risk. Working through the numbers together, and addressing the sceptical partner's concerns directly, produces a decision that is more likely to stand.
Why the other options are wrong
- BSilently shrinking the plan addresses neither partner's position.
- CProceeding with one partner risks a policy the household will not keep.
- DHelping a couple reach a decision is part of the agent's role.
Exam tip
Address the sceptical partner's concerns rather than working around them.
Common mistake
Presenting only to the partner who is already persuaded.
What this tests
CISRO competency component 3.2 — 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.