LLQP Life Insurance · Component 3.1 · 25% of the exam
The insurer requires a paramedical exam for an application. This typically involves:
- AThe agent taking the applicant's blood pressure and weight at the time of the application interview
- A nurse or technician collecting measurements, blood and urine samples and a questionnaire at the applicant's convenience
- CA full hospital admission for a day of tests, arranged and paid for by the insurer at a hospital of the applicant's choosing
- DA psychiatric assessment by a specialist chosen by the insurer, to rule out mental health conditions
Correct answer: B) A nurse or technician collecting measurements, blood and urine samples and a questionnaire at the applicant's convenience
Paramedical requirements scale with age and amount. The agent schedules the visit and prepares the client (fasting, avoiding caffeine or exercise beforehand) so results are representative — practical field underwriting.
Why the other options are wrong
- AAgents do not perform medical measurements.
- CA paramedical is not a hospital admission.
- DPsychiatric assessment is not part of a standard paramedical.
Exam tip
Prepare clients for the paramedical: fasting if required, no caffeine or heavy exercise beforehand, so the results reflect their true health.
Common mistake
Scheduling the paramedical without preparing the client.
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.