Free LLQP A&S Exam Prep

Determine the client's situation (family, occupation, health, finances, and cash flow), assess the appropriateness of existing individual, group, and government coverage (EI sickness, CPP/QPP disability, Workers' Compensation), and articulate client needs based on financial risks of disability, illness, injury, or loss of independence.

Analyze contract types meeting client needs (individual and group disability income, critical illness, long-term care, extended health, dental, travel emergency medical, business overhead expense, key person, buy-sell) and evaluate optional riders (COLA, future income option, waiver of premium, return of premium, accidental death and dismemberment).

Consider the impact of medical, financial, and occupational underwriting criteria; propose a suitable product recommendation with appropriate coverage, premium, and riders; and confirm the requirements to issue the contract (application disclosures, medical/APS/MIB reports, insurable interest, temporary insurance agreements).

Validate contract amendments, policy changes, renewals, reinstatement, and terminations; manage client expectations; and guide claimants through the proof of loss, notice of claim, statutory conditions, and claims adjudication process.