A&S Underwriting, Taxation & Claims question: paramedical exam shows a high body mass index and elevated blood pressure

A&SUnderwriting, Taxation & Claims

Jon, 47, an office manager in Regina, applies for an individual disability policy. His paramedical exam shows a high body mass index and elevated blood pressure, but no other problems. The insurer offers him the policy as applied for at 150% of the standard premium. What does this offer mean?

A His benefit is cut by 50 percent
B His elimination period is shortened
C He is accepted as a rated risk
D He has been declined for cover

Show the answer and explanation

Answer: C. He is accepted as a rated risk

A rating (extra premium) means the insurer accepts a higher-than-standard risk by charging more, here 150% of the standard rate, rather than declining or excluding. The benefit and definitions stay as applied for unless stated. 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

Confusing a rating with a decline or reduction in benefit.

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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.