LLQP試験無料問題集（330題）「IFSE Institute Life License Qualification Program (LLQP) 認定」

出題：1

Janice, age 73, plans on purchasing a joint-and-last-to-die annuity. She wants to receive the highest possible annuity payments.
Who should be the joint annuitant?

A. Eric and Thomas together

B. Her daughter, Renee, who is 51

C. Her husband, Eric, who is 75

D. Her disabled son, Thomas, who is 53

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：2

Last week, at a dinner party, Dario, an insurance agent, met Andrew, a successful businessperson with a net worth of over $10 million. Dario spent the evening following Andrew around, telling him how he could help him manage his finances. The day after the meeting, Dario sent a fruit basket to Andrew's office. Every day since, Dario has been calling and urging Andrew to meet with him and take advantage of his services and insurance products.
Which duties and obligations did Dario break?

A. Duties and obligations towards the profession

B. Duties and obligations towards clients

C. Duties and obligations towards the public

D. Duties and obligations towards other representatives, firms, independent partnerships, insurers and financial institutions

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：3

Nelson is turning 46 and wants to explore additional tax planning opportunity. He is an avid investor and has invested into a lot of mutual funds and stocks. His RRSP is currently maxed out. He is meeting with Andrew, his financial advisor with life insurance license, to discuss on his financial future and some life insurance policy options. As a risk taker, Nelson would like to have a plan that would allow him to supplement his retirement income when he reaches 70. However, his employment income is very high and his marginal tax rate will remain at the top bracket even after his retirement.
What recommendation should Andrew make in order to fit Nelson's need?

A. Purchase a universal life insurance and leverage the cash value with a collateral loan.

B. Purchase a whole life insurance and access its cash value by policy loan.

C. Purchase a universal life insurance and access its cash value with a policy loan.

D. Purchase a whole life insurance and leverage the cash value with a collateral loan.

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：4

Dale meets with his last appointment of a busy workday. He is helping his client Larry fill out a disability insurance claim form. Larry suffered a heart attack a week ago and is at home recuperating. Larry will be unable to work for the next 6 months and needs the benefits as soon as possible to cover his expenses. The at- home appointment takes a little longer than scheduled and Dale finds himself rushing to his son's big hockey tournament. In his haste, he puts Larry's form in his briefcase and subsequently forgets to submit the form.
Which responsibility did Dale breach?

A. Duty of care

B. Integrity

C. Disclosure

D. Competence

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：5

(Jim is buying a life annuity with insurance settlement money due to a disabling accident. He declines a guarantee period to maximize monthly payments.
Which of the following must the agent be sure to note on the application?)

A. Marilyn as the joint annuitant.

B. Jim as the annuitant.

C. Marilyn as the beneficiary.

D. Jim as the beneficiary.

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：6

Levi is a newly licensed financial security advisor in Quebec City, meeting with Mason, the compliance officer at Yes Insurance Inc. Mason stresses the importance of being professional and complying with the code of ethics. Levi asks who enacted the code of ethics.
Which of the following is Mason's CORRECT response?

A. Canadian Insurance Services Regulatory Organizations (CISRO).

B. Autorite des marches financiers (AMF).

C. Chambre de la securite financiere (CSF).

D. Canadian Council of Insurance Regulators (CCIR).

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：7

Following the death of her sister Sarah last year, Yesha, the liquidator of Sarah's estate, had been in contact with Sarah's insurance agent Monique on several occasions to claim the death benefit on Sarah's life insurance policy.
Yesterday, Yesha noticed that Sarah also had a disability insurance policy with a return of premium option which stated that a portion of the premiums can be reimbursed upon her death. Yesha contacted Monique again and asked her for more details about the disability policy and return of premium option but Monique replied that she could not help her as her firm had destroyed Sarah's files shortly after paying out the death benefit.
Did Sarah's firm act appropriately?

A. Yes, because the death benefit was paid.

B. No, because the file has to be kept for 7 years.

C. Yes, because the life insurance company will still have a copy of the contract.

D. No, because the file has to be kept for 5 years.

正解：D 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：8

Dakota is the owner of Fresh Drapes, a home decoration company. She opened her business five years ago when she quit her day job, took out loans, and put all her life savings into opening her store. Her business is doing well, so she meets with Tanya, an insurance agent, to start investing for her retirement. After completing a thorough needs analysis, Tanya suggests that Dakota purchase segregated funds and name her husband as the beneficiary of the funds.
Which of the following offers the GREATEST benefit to Dakota by investing in segregated funds over other types of investments?

A. Maturity and death benefit guarantees of 100%

B. Diversification

C. Creditor protection

D. Professional management

正解：C 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：9

Life insurance agent Alexandra completes a life insurance application with her client, Joshua. After three months in underwriting, the application is accepted and the policy is issued on a standard rate. Alexandra goes to deliver the policy. When she gets to Joshua's, he tells her how he just got out of the hospital with a serious blood clot.
What should Alexandra do?

A. Simply deliver the policy to Joshua, as his application has already been accepted.

B. Tell Joshua that, because of the new medical information, she cannot deliver the policy and must notify the underwriter for further consideration.

C. Tell Joshua that, because of the new medical information, she cannot deliver the policy and must put an end to the entire application process.

D. Deliver the policy to Joshua, but notify the underwriter of the new medical information.

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：10

Alexandre, a financial security advisor, recently left FinCode Inc. because of an unresolved dispute with the company. He is continuing his career as an independent advisor. This week, he has an appointment with a client who tells him that he met with another FinCode Inc. employee. However, that employee has a disciplinary record at the CSF for fraudulently copying a signature on a form. Since the client does not work in insurance and the information is public knowledge, Alexandre provides him with some clarification regarding the other advisor's case. How can Alexandre encourage the client to do business with him without denigrating his competitor?

A. By emphasizing his unique approach that sets him apart from his competitors

B. By talking about his experience with the other advisor when they worked for the same firm

C. By telling the client to always check an advisor's record with the CSF

D. By informing the client of his recent departure from FinCode Inc. owing to an unresolved dispute

正解：A 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

出題：11

Remi owns a registered annuity contract that pays him a $2,500 monthly benefit. He purchased the contract five years ago from money he accumulated in his registered pension plan. At the time, he named his wife Annette as the revocable beneficiary of the contract. Today, he calls Louisa, his insurance agent, to designate his sister as beneficiary of the contract instead. Louisa tells him that there are restrictions on the contract and that he cannot change the beneficiary designation.
Why is Remi unable to make the change?

A. He would first have to obtain his wife's consent to change it.

B. The contract was funded by a registered pension plan.

C. He is already receiving payments from the contract.

D. He did not complete the change of beneficiary form.

正解：B 解答を投票する

解説: (GoShiken メンバーにのみ表示されます)

LLQP試験無料問題集「IFSE Institute Life License Qualification Program (LLQP) 認定」