LLQP Life Insurance · Component 4.2 · 10% of the exam
At a claim, the insurer requests an Attending Physician's Statement about the cause of death. The purpose is:
- ATo notify the beneficiary of the death, since the insurer makes contact with the beneficiary through the physician's own office
- To confirm the cause and circumstances of death, relevant to exclusions and contestability
- CTo reassess the premium the estate owes, since a death from a serious illness shows the risk was underpriced
- DTo delay payment, since insurers use physician's statements as a way to hold funds for as long as possible
Correct answer: B) To confirm the cause and circumstances of death, relevant to exclusions and contestability
Cause of death determines whether exclusions or riders apply and whether a contestable claim needs investigation. It is a routine requirement, not an obstruction.
Why the other options are wrong
- ANotification is not its purpose.
- CPremiums are irrelevant after death.
- DIt is a standard step, not a delay tactic.
Exam tip
Cause of death matters for exclusions, riders and contestability; expect the APS request.
Common mistake
Interpreting routine claim requirements as bad faith.
What this tests
CISRO competency component 4.2 — Provide customer service during the validity period of the coverage — which is weighted at 10% of the Life Insurance module. Written against the published curriculum.
More from component 4
- After a policy is reinstated, the contestability period:
- A revocable beneficiary designation is changed by:
- A client asks the agent to hold the beneficiary change form 'until next week' and dies in the meantime. The consequence is that:
- A client wants to reduce the face amount of her policy because her needs have fallen. The agent should note that:
- A client is unable to pay premiums temporarily on a whole life policy. Before letting it lapse, the agent should suggest:
- A client's term policy is being replaced with a new one from another insurer because it is cheaper and he remains healthy. To protect the client, the agent should ensure that:
Practice the whole Life Insurance module
Timed sets weighted like the exam, and review of every question you miss. Free to start.