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LLQP試験参考書、LLQPサンプル問題集

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LLQPサンプル問題集、LLQP受験記

現在でIFSE InstituteのLLQP試験を受かることができます。CertJukenにIFSE InstituteのLLQP試験のフルバージョンがありますから、最新のIFSE InstituteのLLQPのトレーニング資料をあちこち探す必要がないです。CertJukenを利用したら、あなたはもう最も良いIFSE InstituteのLLQPのトレーニング資料を見つけたのです。弊社の質問と解答を安心にご利用ください。あなたはきっとIFSE InstituteのLLQP試験に合格できますから。

IFSE Institute LLQP 認定試験の出題範囲：

トピック
出題範囲

トピック 1

倫理と専門的実務: 試験のこの部分は、生命保険専門家の法的および倫理的責任に焦点を当てています。コモンローの州および準州における生命保険の法的枠組みの概要を示し、専門性を維持することの重要性を強調しています。

トピック 2

生命保険: このセクションでは、死亡による経済的影響を理解するための、ファイナンシャルアドバイザーや生命保険代理店などの保険専門家の専門知識を評価します。生命保険がこうした経済的ニーズにどのように対処するかを説明し、さまざまな生命保険商品とその特徴や利点を紹介します。

トピック 3

傷害および疾病保険: 個人および団体の健康保険を提供する保険専門家を対象としたこのセクションでは、重篤な病気や怪我の場合の経済的保護の重要性を強調しています。

トピック 4

分離型ファンドと年金: 投資アドバイザーとファイナンシャルプランナーを対象としたこのセクションでは、退職と財務計画に不可欠な貯蓄と投資戦略に関する理解を評価します。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q113-Q118):

質問 # 113
Maxine meets with Toshiko, an insurance agent for United Life, to purchase a $10 million universal life insurance policy. Once United Life reviews Maxine's file, they agree to insure her for $3 million. United Life then contacts Extra Life Company, who agrees to insure Maxine for the additional $7 million. Toshiko asks his supervisor Bob how the death benefit will be paid to Maxine's beneficiary when she dies.

A. The full death benefit will be paid by Assuris.
B. Extra Life will issue a cheque for $10 million.
C. United will issue a cheque for $10 million.
D. United Life and Extra Life will each directly pay the beneficiary.

正解：D

解説：
In cases where multiple insurers are involved in covering a large sum assured, it is common practice for each insurer to pay their respective portion of the death benefit directly to the beneficiary. Here, United Life insures $3 million and Extra Life insures the remaining $7 million. Upon Maxine's death, each company is responsible for paying out their portion, meaning United Life will pay $3 million and Extra Life will pay $7 million directly to the beneficiary. Assuris, mentioned in Option D, is an industry-backed entity that provides protection in case of an insurer's insolvency but does not issue death benefits.

質問 # 114
Jenny purchased a whole life insurance policy 10 years ago. She was recently diagnosed with a terminal illness and the doctor told her she got an estimated life span of 12 months. She would like to spend the rest of her time with family doing vacation across the world. She brought Ellen, her daughter and also her beneficiary to the life insurance agent and wants to find out about the claims process.
What does Ellen need to know regarding the claims process in this situation?

A. The filing of life insurance claim must happen within 10 years after insured's death.
B. No coverage is available when the death occurs outside of Canada.
C. Claims form must be submitted to agent directly for processing.
D. Completed claim form and proof of death are required to initiate claim process.

正解：D

解説：
Comprehensive and Detailed Explanation From Exact Extract:
The LLQP outlines thatto initiate a life insurance claim, the insurer requires acompleted claim form and proof of death (usually a death certificate). Coverage remains validregardless of where the death occurs.
Claims are typically processed quickly once these documents are submitted.

質問 # 115
Mercedes is a single mother to her 5-year-old son Arthur. Arthur's father Richard is not in his son's life because he is a recovering drug dealer who spent the last 4 years in and out of prison. Mercedes has full custody of Arthur and cannot count on help from her family because they live in another province.
Wanting to ensure his well-being, in the event of her death, Mercedes purchases a $100,000 life insurance policy and names Arthur the sole beneficiary of the policy.
If she died without a will who would receive the death benefit?

A. Richard
B. Arthur
C. Director of youth protection
D. Mercedes's estate

正解：B

解説：
Since Arthur is the named beneficiary on Mercedes' life insurance policy, the death benefit will be payable to him directly. Under LLQP provisions, life insurance proceeds designated to a minor beneficiary are generally paid into a trust or managed by a legal guardian until the minor reaches the age of majority.
In this case, because Mercedes died intestate (without a will), Arthur would still receive the proceeds of the life insurance policy as the sole named beneficiary. However, since he is a minor, the Director of Youth Protection or a legal guardian may be appointed to manage the funds until Arthur becomes of age.

質問 # 116
Kimeni meets with Orion, an insurance agent, to purchase segregated funds. After assessing Kimeni's needs, Orion suggests an index segregated fund. Kimeni agrees to invest $5,000 in the fund now and $200 every month.
With relation to this transaction, which of the following options is CORRECT about the Fund Facts document?

A. Orion must deliver the document to Kimeni within 3 days after the purchase.
B. It is Kimeni's responsibility to ask for the document.
C. Orion can only deliver the document to Kimeni electronically.
D. Kimeni must acknowledge that he received the document.

正解：D

解説：
It is a regulatory requirement for the client, Kimeni, to acknowledge receipt of the Fund Facts document when purchasing segregated funds. This ensures that he has been informed about the key aspects of the investment, such as fees, risks, and performance, prior to purchase. LLQP guidelines mandate that documentation like Fund Facts must be provided to clients and that they acknowledge receipt to confirm informed consent.
Option A is incorrect as the document must be delivered before the purchase. Option C is inaccurate as the document can be delivered in various formats, not exclusively electronic. Option D is incorrect because it is the agent's responsibility to provide the document, not the client's to request it.

質問 # 117
Surjit and Rajbir got married in 2010, and Surjit named Rajbir as the irrevocable beneficiary of his life insurance contract. In 2017, the couple divorced amicably, and Surjit met with his insurance representative, Ivan, to review his plans. Surjit tells Ivan that he would like to keep Rajbir as his beneficiary.
What should Ivan counsel his client to do?

A. Surjit should name a different beneficiary now that he is divorced.
B. Surjit should once again designate Rajbir as the beneficiary.
C. Surjit does not need to do anything as Rajbir is already the named beneficiary.
D. Surjit cannot make any changes to the policy without Rajbir's consent, as she is the irrevocable beneficiary of his policy.

正解：C

解説：
An irrevocable beneficiary designation remains valid even after a divorce unless the policyholder, with the irrevocable beneficiary's consent, decides to change it. As Surjit wishes to retain Rajbir as his irrevocable beneficiary, no additional steps are required. The designation's irrevocability ensures Rajbir's right to the policy benefits remains intact without needing re-confirmation. This complies with the provisions on irrevocable beneficiaries outlined in Quebec's Civil Code and reinforced by LLQP standards on irrevocable beneficiary designations.

質問 # 118
......

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