LLQP Life Insurance · Component 3.2 · 25% of the exam
When a client's stated objective conflicts with the needs analysis findings, the agent should:
- Reconcile them openly: explain the finding, understand the objective, and document the decision
- BEnd the relationship, since a client who disagrees with the needs analysis cannot be served suitably by the agent who prepared it
- CFollow the objective silently, since the client's wishes govern and the agent's role is to implement them
- DIgnore the objective and recommend what the analysis shows, since the analysis is more reliable than the client's opinion
Correct answer: A) Reconcile them openly: explain the finding, understand the objective, and document the decision
Conflicts are opportunities to clarify. Sometimes the client knows something the analysis missed; sometimes the client is choosing against advice. Either way the resolution should be explicit and recorded.
Why the other options are wrong
- BA difference of view is not grounds to end service.
- CSilent compliance abandons the advisory role.
- DIgnoring the client's objective is disrespectful and unproductive.
Exam tip
Reconcile analysis and objectives out loud; document the outcome.
Common mistake
Treating the needs analysis as an order the client must obey.
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.