LLQP Life Insurance · Component 3.1 · 25% of the exam
A pregnant applicant asks whether she should wait until after the birth to apply. The agent should explain that:
- an uncomplicated pregnancy is usually underwritten normally, often using pre-pregnancy weight
- Bthe premium is doubled during pregnancy and reduced again after the birth
- Cinsurers refuse all applications from pregnant women until after delivery
- Dcoverage issued during a pregnancy excludes any claim arising in connection with childbirth
Correct answer: A) an uncomplicated pregnancy is usually underwritten normally, often using pre-pregnancy weight
A routine pregnancy is not treated as an impairment, and insurers commonly use the applicant's weight before the pregnancy. Complications may lead to a postponement until after delivery.
Why the other options are wrong
- BPremiums are not adjusted in that way for pregnancy.
- CPregnant applicants are regularly underwritten and accepted.
- DNo general childbirth exclusion applies to life coverage.
Exam tip
An uncomplicated pregnancy is usually no barrier to applying.
Common mistake
Advising a client to delay coverage until after a birth.
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.