A&S Underwriting, Taxation & Claims question: discloses chronic lower back pain

A&SUnderwriting, Taxation & Claims

Ella, 41, a physiotherapist in Kingston, applies for individual disability insurance. She discloses chronic lower back pain treated with physiotherapy and medication over the last 2 years, though she has never missed work because of it. The insurer is willing to cover her for disability from other causes. What is a common way to do so?

A Refuse coverage in every such case
B Issue it with a back exclusion rider
C Issue at standard rates with no changes
D Cover her back only for accidents

Show the answer and explanation

Answer: B. Issue it with a back exclusion rider

Insurers often handle a specific medical history by issuing the policy with an exclusion rider for that condition, or with a rating. The rest of her coverage then works normally. Outright refusal is not the only option. Source: CISRO LLQP Curriculum (May 2015), Accident and Sickness module, component 3.1 (underwriting criteria) and standard Canadian A&S underwriting practice (as at 12 Oct 2026).

Common mistake

Assuming any history means a decline.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.