LLQP練習試験と学習ガイドは厳密検証されたFast2test最新な147問題
2025年最新のな厳密検証された合格させるLLQP学習ガイドベズトお試しセット
IFSE Institute LLQP 認定試験の出題範囲：
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質問 # 44
Samir applied for a life insurance policy 18 months ago. At the time of the application, he was employed as an accountant. Samir quit his accounting job 6 months ago to become a professional scuba diver.
Which of the following statements about Samir's life insurance policy is CORRECT?
- A. Samir is not required to declare his change in occupation because the policy is less than 2 years old.
- B. Regardless of whether Samir informs his insurer of his change in occupation, if he dies while scuba diving, he would not be covered.
- C. Samir has no obligation to notify the insurer of his change of occupation regardless of how old the policy is.
- D. Samir must inform his insurer about his change of occupation within 6 months of the change.
正解：C
解説：
In life insurance policies, once the policy is issued, the insured does not need to notify the insurer of any changes in occupation. The premiums and coverage are based on the occupation and risk profile at the time of application, and life insurance contracts do not generally require updates on occupational changes unless explicitly stated.
Therefore, regardless of Samir's current job as a scuba diver, his life insurance policy remains in force without the need for notification to the insurer. This is different from disability insurance, which may consider occupation changes to reassess risk and benefits.
質問 # 45
It's Friday afternoon and Olivier, an insurance agent, has just received the paper copy of his client's insurance contract. Olivier is about to leave on a three-day weekend, and he's already late for his camping reservation.
He wonders if he should delay his departure to deliver the document, or if it can wait until he gets back on Tuesday. How long does Olivier have to deliver the contract?
- A. Within 30 days of receiving it.
- B. Within a reasonable time.
- C. Within 10 days of receiving it.
- D. Within 15 days of receiving it.
正解：B
解説：
Life insurance agents are generally required to deliver the insurance contract to the client within a "reasonable time" to ensure that the client is promptly informed of the policy's terms and conditions. This standard is set to prevent undue delays that might affect the client's rights and their free look period. While no specific timeframe is always mandated, it is commonly understood within the LLQP guidelines that timely delivery is essential for compliance. Therefore, Olivier can reasonably wait until after his weekend to deliver the contract on Tuesday, as this would still fall within a reasonable time.
質問 # 46
Jordan, a group insurance agent, meets with Nancy, a commercial berry grower in Saskatoon, to renew her company's group insurance plan. When the plan was established four years ago, Nancy had 20 employees.
She now has over 50 employees, many of whom are unhappy with the plan. Jordan wants to rectify this situation to everyone's satisfaction but is not sure how to begin.
Which of the following options indicates the first step that Jordan should take?
- A. Cancel the company's group insurance plan.
- B. Switch the plan to another insurer.
- C. Identify satisfaction levels with support and turnaround time with claims.
- D. Ensure that the plan is a non-contributory plan.
正解：C
解説：
When Jordan discovers that many of Nancy's employees are dissatisfied with the current group insurance plan, his first step should be toassess the employees' specific concerns. This includes understanding issues such as satisfaction with customer support and the claims turnaround time. Gathering feedback on these aspects will help Jordan identify the main areas of dissatisfaction and explore targeted solutions to improve the plan. The LLQP materials emphasize the importance of aligning group insurance plans with the needs and satisfaction of the participants, making this an essential step before considering any major changes such as switching insurers or altering the plan's structure.
質問 # 47
Axel owns a $150,000 whole life insurance policy with an accumulated cash surrender value (CSV) of
$20,000. His monthly premiums are $300, due on the fifth day of each month. Axel misses his November 5 premium payment and then dies a few weeks later, on November 20.
- A. $150,000
- B. $169,700
- C. $0
- D. $149,700
正解：A
解説：
In whole life insurance policies, there is generally a grace period (usually 30 days) for missed premium payments before the policy lapses. Since Axel died within this grace period (November 20, following a missed premium due November 5), the policy remains active, and the full death benefit is payable to his beneficiary. Therefore, the insurance company would pay out the entire$150,000death benefit. The policy's accumulated CSV is irrelevant in this context, as it only applies if the policyholder surrenders the policy or if the policy lapses after the grace period.
質問 # 48
Benjamin is a financial security advisor working for the Larson Group. He is following a mandatory compliance training session given by Andrew, the compliance manager. Andrew explains the importance of following the Chambre de la securite financiere code of ethics, and Benjamin would like to know to whom the code of ethics applies.
What is Andrew's CORRECT response?
- A. Financial security advisors and their administrative assistants.
- B. Financial planners and financial security advisors.
- C. Damage insurance agents and accident and sickness insurance representatives.
- D. Claims adjusters and group insurance plan advisors.
正解：B
解説：
The Chambre de la securite financiere code of ethics applies specifically to financial security advisors and financial planners in Quebec. This code outlines the professional conduct required of those working within the financial services industry who advise clients on security products. Administrative assistants, claims adjusters, and damage insurance agents do not fall under the purview of the CSF code of ethics as they are regulated under different professional codes or by different oversight organizations.
質問 # 49
Ariana is a Vancouver restauranteur who owns a $250,000 universal life (UL) insurance policy with a cash surrender value that has grown considerably over the years. Unfortunately, her restaurant has fallen on hard times and in an effort to turn the business around, she takes out a string of business loans that she personally guaranteed. To protect her life insurance from creditors, she changes the beneficiary designation from her estate, naming her husband as a revocable beneficiary. Despite her efforts, the restaurant's profits do not improve, and she is forced to close her business and file for bankruptcy. Can her creditors seize her cash surrender value?
- A. Yes, because she has money accumulated in her cash surrender value.
- B. No, because her husband is a protected class beneficiary.
- C. Yes, because she changed her beneficiary designation to hinder creditors.
- D. No, because the creditors can only go after the restaurant's assets.
正解：B
解説：
In most Canadian provinces, if a policyholder names a spouse as the beneficiary of a life insurance policy, the cash surrender value of the policy is generally protected from creditors, as long as the spouse qualifies as a
"protected class" beneficiary. By designating her husband as a beneficiary, Ariana's policy benefits and cash surrender value are typically shielded from her personal creditors, even in the event of bankruptcy.
However, if she had named her estate as the beneficiary, the cash surrender value could have been subject to claims by creditors during her bankruptcy.
質問 # 50
Luisa owns a balanced segregated fund currently valued at $50,000. Her mother Linda is the current revocable beneficiary of the policy. However, Luisa has been dating Benjamin for a year and would like to name him as the new beneficiary of her policy.
Which of the following statements about modifying the beneficiary designation is CORRECT?
- A. Luisa can call the insurer's head office to notify them of the change.
- B. Since Linda is Luisa's named beneficiary, she would need to consent to the change.
- C. The change will take effect on the date that the insurer receives the change of beneficiary form.
- D. Luisa can modify the designation anytime.
正解：C
解説：
Beneficiary changes in insurance contracts generally become effective once the insurer receives and processes the signed change form. This is supported by LLQP material, which specifies that changes to beneficiary designations must be documented and received by the insurer for the new designation to take effect. Since Linda is a revocable beneficiary, Luisa can make this change without requiring Linda's consent.
Option B is incorrect as revocable beneficiaries do not require consent for changes. Option C is too general, and D is incorrect because a formal written change form is typically required.
質問 # 51
Paulette earns a modest income working as a delivery driver for FastFlowers Inc. in Quebec. The florist company has over 80 employees, 20 of whom are delivery drivers. The employees benefit from a group short- and long-term disability plan. One morning, while delivering flowers, Paulette's truck is struck by a bus.
Paulette is taken to the hospital, where a doctor deems that she will be unable to work for at least 4 months.
Paulette contacts Jade, the human resources manager, to ask her who will pay her disability benefits.
Which of the following answers is CORRECT?
- A. Her group insurance.
- B. Employment insurance (EI).
- C. Societe de l'assurance automobile du Quebec (SAAQ).
- D. Commission des normes, de l'equite, de la sante et de la securite du travail (CNESST).
正解：A
解説：
Paulette is covered under her employer's group disability insurance plan, which provides both short- and long- term disability benefits. Since her injury occurred while working, the group insurance provided by FastFlowers Inc. would be responsible for paying her disability benefits. Group insurance plans typically cover workplace injuries for employees and compensate for lost income during recovery.
Although other options like the SAAQ may provide benefits for accidents involving vehicles, Paulette's disability benefit is specifically covered under her employer's insurance because it is job-related.
質問 # 52
Josephine visits her dentist in downtown Victoria, BC, to have a cavity filled. The procedure costs her $550 but the maximum fee for a standard filling, according to the provincial dental schedule, is $400. Josephine works for a company that offers employees group dental coverage with a yearly maximum of $1,000 and an
80% co-insurance factor.
How much will Josephine receive from the insurer for her procedure?
- A. $320
- B. $440
- C. $0
- D. $400
正解：A
解説：
Josephine's group dental plan pays a percentage (80%) of theprovincial dental schedulefee, not the actual cost. For her filling, the schedule maximum is $400. Therefore, the insurer will cover 80% of $400, which amounts to $320. Although the procedure costs her $550, her coverage only applies to the schedule rate, meaning she will receive $320 from the insurer, while she covers the remainder out of pocket.
質問 # 53
Surjit and Rajbir get married in 2010 and Surjit names Rajbir as the irrevocable beneficiary of his life insurance contract. In 2017, the couple divorces amiably and Surjit meets 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 once again designate Rajbir as the beneficiary.
- B. Surjit cannot make any changes to the policy without Rajbir's consent as she is the irrevocable beneficiary of his policy.
- C. Surjit should name a different beneficiary now that he is divorced.
- D. Surjit does not need to do anything as Rajbir is already the named beneficiary.
正解：B
解説：
When a beneficiary is designated as irrevocable, the policyholder cannot make changes to the beneficiary designation or make other policy modifications that impact the irrevocable beneficiary's rights without their consent. According to LLQP standards, an irrevocable beneficiary has a vested interest in the policy, and any alterations require their permission.
In this case, Surjit would need Rajbir's consent to change or remove her as the beneficiary, regardless of their divorce. This stipulation upholds the binding nature of an irrevocable designation, ensuring that changes can only be made with the beneficiary's agreement to protect their rights in the policy.
質問 # 54
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 wellbeing, 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：C
解説：
In Quebec, when a minor is named as a beneficiary on a life insurance policy, and the policyholder dies without a will, the death benefit is not directly accessible to the minor. Instead, the benefit is placed under the management of a legal guardian or the Director of Youth Protection, depending on the circumstances. Since Mercedes has full custody and there is no designated legal guardian in place, the Director of Youth Protection would typically assume responsibility for managing the funds on behalf of Arthur until he reaches the age of majority.
If Richard has no custodial rights and is deemed unfit, as his history suggests, he would not be eligible to receive or manage the funds. Additionally, since Mercedes passed away without a will, her estate would not directly receive the benefit, as the policy directly names Arthur as the beneficiary. The Director of Youth Protection will oversee the funds to ensure they are used in Arthur's best interests.
質問 # 55
Sebastian is a 44-year-old sales representative employed at Premier Aqua. He wants to take a year off to travel and relax. He has worked for the company for 25 years and accumulated $230,000 in a deferred profit sharing plan (DPSP). He would like to know if he can use some of the funds in his DPSP to fund his sabbatical.
- A. Yes, he can withdraw the funds if he wants to.
- B. No, the funds can only be transferred to a life income fund (LIF).
- C. No, the funds can only be transferred to a locked-in retirement account (LIRA).
- D. Yes, he can withdraw the funds if he gets permission from his employer.
正解：C
解説：
As with most Deferred Profit Sharing Plan (DPSP) funds, Sebastian's accumulated balance is generally locked-in, which means it cannot be withdrawn in cash while still under the plan. Instead, he may transfer it to a Locked-In Retirement Account (LIRA) upon leaving his employment or retiring, ensuring the funds remain tax-deferred. LLQP guidelines state that DPSP funds are generally subject to locking-in provisions, which restrict withdrawals and are specifically aimed at providing retirement income.
Thus, contrary to options A and B, Sebastian cannot withdraw the DPSP funds for discretionary purposes, such as funding his sabbatical, because of these restrictions. Option C is incorrect, as transferring to a Life Income Fund (LIF) would only be appropriate once the funds are in a LIRA, typically when Sebastian is closer to retirement age and ready to begin income withdrawals.
質問 # 56
Hussein wants to purchase a segregated fund. He has been following the news and believes the pharmaceutical sector will take off soon, and he wants to purchase a fund that will capitalize on his market view. He understands market fluctuations and is comfortable with the level of risk involved because he would only need to access these funds in 20 years.
Which of the following would be the most appropriate fund for Hussein?
- A. Balanced fund
- B. Specialty fund
- C. Target date fund
- D. Bond fund
正解：B
解説：
A specialty fund would be the most suitable option for Hussein, given his specific interest in the pharmaceutical sector. Specialty funds focus on specific sectors or industries, allowing investors to capitalize on particular market views and trends. Hussein's belief in the potential growth of the pharmaceutical sector and his comfort with market fluctuations over a long investment horizon aligns well with a specialty fund.
According to LLQP, specialty funds are suited for investorsseeking exposure to specific industries and who are willing to accept the higher risk associated with concentrated investments.
Option A (Bond fund) does not align with Hussein's interest in the equity market, particularly in the pharmaceutical sector. Options C and D (Balanced and Target date funds) are not focused on a specific sector and instead offer broader diversification across asset classes.
質問 # 57
Kalei owns a $250,000 life insurance policy with an accumulated cash surrender value of $75,000. She meets with her insurance agent Pamela to inform her that she quit her job last week. She wants to start an online business and needs $40,000 to fund the inventory and cover her living expenses for a few months. She heard that it was possible to obtain a loan using her policy at a 5% interest rate. Which of the following statements about collateral assignment is CORRECT?
- A. The bank is the new policyholder and beneficiary of the policy.
- B. Kalei is prohibited from doing anything with her policy that could affect the value of the security.
- C. Upon Kalei's death, the insurance company will only reimburse the bank the entire $40,000 that she borrowed.
- D. Kalei must name the bank as an irrevocable beneficiary of the policy until the debt is paid off.
正解：B
解説：
When a life insurance policy is used as collateral for a loan, the policyholder retains ownership but must avoid actions that could reduce the value of the policy as collateral, such as reducing the cash value or cancelling the policy. This restriction ensures that the lender's security interest in the policy remains protected until the debt is repaid.
In collateral assignments, the policyholder does not transfer ownership to the lender, nor is there a requirement to designate the lender as an irrevocable beneficiary. The assignment simply grants the lender a right to claim the policy proceeds to cover the loan amount if the policyholder defaults or passes away.
質問 # 58
Patricia is a laboratory technician who normally earns $4,000 a month. A few months ago, she injured her leg rollerblading and was unable to work for four months. Since she owns a disability insurance policy with a residual benefit option, she received $2,400 a month from the insurer. Now that she is recovered, her doctor has cleared her to slowly return to work. Since she cannot work her regular full-time hours, her pay has decreased to $3,000 a month.
How much will she receive from her residual benefit when she returns to work?
- A. $1,000
- B. $0
- C. $2,400
- D. $600
正解：D
解説：
A residual benefit in a disability insurance policy provides partial benefits if the insured returns to work in a reduced capacity and suffers a loss of income. Patricia's income has decreased from $4,000 to $3,000, representing a 25% reduction in income ($1,000 loss out of $4,000). Since her policy provides a residual benefit, she will receive 25% of her original monthly benefit, which is 25% of $2,400, amounting to $600.
This is calculated to supplement her reduced earnings, aligning with the guidelines on residual benefits provided by LLQP.
質問 # 59
Alana, Meaghan, and Beatrice are equal shareholders of Advanced Tech Inc. They each own 100 shares of the company. Each share is currently worth $5,000. They recently signed a cross-purchase buy-sell agreement that is funded by life insurance. What will happen under this agreement if Alanadies today?
- A. Each share would now be worth $7,500.
- B. Meaghan and Beatrice would each still own 100 shares of the company.
- C. Alana's estate would receive a total of $500,000.
- D. There would now be 200 outstanding shares of the company.
正解：C
解説：
In a cross-purchase buy-sell agreement funded by life insurance, each shareholder purchases a life insurance policy on the lives of the other shareholders. Upon the death of a shareholder, the surviving shareholders use the proceeds from the insurance to buy out the deceased shareholder's shares at the agreed value. Since each share is valued at $5,000, Alana's 100 shares would be worth:
100 shares×5,000=500,000100 \text{ shares} \times 5,000 = 500,000100 shares×5,000=500,000 Thus, Meaghan and Beatrice would collectively purchase Alana's shares from her estate, providing her estate with a total of$500,000. Each surviving shareholder will then own an additional 50 shares, resulting in each now holding 150 shares of Advanced Tech Inc. This option aligns with the principles of cross-purchase agreements discussed in the LLQP.
質問 # 60
Tyler, a group insurance agent, is meeting with Yolanda, the director of his new group insurance client, Compact Funds Inc., to set up the company's plan. Compact Funds employs over 30 employees, and Tyler recommends that they implement a contributory plan. Yolanda would like to understand what this means.
Which of the following statements about contributory plans is CORRECT?
- A. The insurer will bill each employee who will then ask for Compact Funds to credit a portion of the premiums on the payroll.
- B. The insurer will bill Compact Funds and each employee individually.
- C. The insurer will bill each employee directly, and they will pay 100% of the premiums.
- D. The insurer will bill Compact Funds, and they will deduct the requisite premium from each employee's paycheck.
正解：D
解説：
In acontributory group insurance plan, the cost of the premiums is shared between the employer and the employees. For Compact Funds Inc., which has over 30 employees, implementing a contributory plan means that both the employer and the employees contribute to the premium costs. According to LLQP guidelines on group insurance plans, the process usually involves the employer (Compact Funds in this case) receiving the bill for the total premium from the insurer. The employer then deducts the employees' share of the premium directly from their paychecks. This allows for efficient billing and ensures that premiums are paid in a consolidated manner by the employer, with the deduction process managed through payroll.
Option B is correct as it accurately describes the billing and payment arrangement in a contributory group insurance plan, where Compact Funds is billed directly by the insurer and then deducts the employee portion from payroll, streamlining the process and keeping it consistent with standard practices as outlined in the LLQP content on group insurance.
質問 # 61
Sabrina is an insurance representative with an insurance of persons certificate issued by the Autorite des marches financiers (AMF). Her client, Stephanie, is a Quebec resident who accepted a job with Service Canada, in Ottawa, and purchased a condo there. Stephanie calls Sabrina to explain that her new job requires her to work in Ottawa three days per week, but she is still a Quebec resident; she spends four days a week with her family in Granby, Quebec. Stephanie asks Sabrina if she can buy mortgage insurance from her to help cover the mortgage on her new condo.
What should Sabrina answer her?
- A. No, because Stephanie is a federal government employee.
- B. Yes, they can complete and sign the application in Ottawa because Stephanie is a Quebec resident.
- C. Yes, but they would have to complete and sign the application in the province of Quebec.
- D. No, because Stephanie's condo is outside of the province of Quebec.
正解：C
解説：
In Quebec, insurance regulations require that insurance contracts for residents must be completed within Quebec to be considered valid under Quebec law, regardless of the location of the insured property. Since Stephanie is a Quebec resident, the insurance contract, including the application, must be completed and signed in Quebec. The fact that Stephanie's condo is located in Ontario does not affect the validity of obtaining mortgage insurance from a Quebec-licensed representative as long as the process adheres to Quebec's legal requirements. This maintains compliance with provincial licensing and residency rules under the AMF.
質問 # 62
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