Long Term Care Certification Practice Test

During the application process, an agent notices the customer grimaces with pain when he stands. What action should the agent take?

1. Ignore the symptoms and process the application

2. Ask the applicant directly and inform the underwriter if necessary

3. Recommend the applicant see a doctor

4. Cancel the application

The correct answer is: Ask the applicant directly and inform the underwriter if necessary

The correct action in this situation is to ask the applicant directly about the symptoms observed. By engaging the customer and inquiring about their pain, the agent can gain a better understanding of the applicant's health status. This conversation is crucial, as any undisclosed health issues could affect the underwriting process. If the customer is experiencing pain consistently, it may indicate an underlying condition that needs to be reported to the underwriter for accurate assessment. This approach ensures that the application reflects the true health status of the applicant and maintains compliance with the insurance regulations. Engaging the applicant directly allows for a more thorough evaluation and demonstrates an agent's responsibility toward the applicant’s well-being and the integrity of the underwriting process. Thus, the agent plays a critical role in addressing potential risks before the application can proceed.