LLQP問題集、IFSE Institute実際の試験問題

質問 1

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. Creditor protection

B. Diversification

C. Professional management

D. Maturity and death benefit guarantees of 100%

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 2

Josh is an established advisor who specializes in group benefits. He recently hired Bryan as a marketing manager. Bryan will be responsible for advertising and creating a social media platform for Josh's company.
Among other things, Bryan is developing a monthly electronic newsletter, which he plans to email to potential and existing clients. However, because this is a brand new initiative, none of the would-be recipients has subscribed to the newsletter or asked to receive any such communication from Josh's company. What law should Josh and Bryan be mindful of before sending their newsletter?

A. The Privacy Act.

B. The Canadian Anti-Spam Legislation.

C. The Personal Information Protection and Electronic Documents Act.

D. The rules governing the National Do Not Call List.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 3

(At 60 years of age, Pierre recently retired for health reasons: he suffers from leukemia and is only expected to live three or four more years, according to his oncologist. A friend advised Pierre to purchase an annuity with his RRSP, as he has no immediate family to leave money to and wants a guaranteed monthly payout.
What type of annuity would be best suited for Pierre?)

A. A deferred annuity.

B. A life annuity.

C. An enhanced annuity.

D. A term annuity.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 4

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. Ensure that the plan is a non-contributory plan.

B. Switch the plan to another insurer.

C. Identify satisfaction levels with support and turnaround time with claims.

D. Cancel the company's group insurance plan.

正解: C

解説: (PassTest メンバーにのみ表示されます)

質問 5

Mordecai's life insurance lapsed four years after the policy was issued because he failed to make premium payments. The insurer reinstated the policy several months later when he made the required payments and provided the medical and financial information the insurer required. Twelve months later, Mordecai commits suicide and his beneficiaries ask Larry, his insurance agent, whether the claim will be paid. What should Larry tell the beneficiaries?

A. The claim will be rejected, because the suicide exclusion begins with the date the insurer reinstates the policy.

B. The claim will be paid, because paying the death benefit would be consistent with public order and community standards.

C. The claim will be paid, because the incontestability clause ended two years after the policy was issued.

D. The claim will be rejected, because Mordecai's poor mental health was, in all likelihood, a preexisting condition.

正解: A

解説: (PassTest メンバーにのみ表示されます)

質問 6

(Jorge meets with his new financial advisor. He brought a series of documents so that she can determine his investor profile.
Which of the following documents will not be helpful for determining Jorge's investor profile?)

A. A summary of his needs and objectives.

B. A list of his income sources during retirement.

C. His net worth statement, listing assets and liabilities.

D. His birth certificate.

正解: D

解説: (PassTest メンバーにのみ表示されます)

質問 7

Melanie is a psychologist. She has her own practice and two employees. In her free time, she loves to dance but also enjoys skydiving, which she does three or four times a year. She meets with Sophie, an insurance agent, because she would like to purchase disability insurance. What should Sophie tell her?

A. That she will receive a reduced benefit if she becomes disabled as a result of skydiving.

B. That she can be insured but that her contract will probably contain a modification (such as rating the premium or imposing an exclusion) because skydiving makes her a non-standard insurable risk.

C. That she can be insured without any other formality or modification because she doesn't skydive often enough to affect her level of risk.

D. That she cannot be insured because skydiving makes her an uninsurable risk.

正解: B

解説: (PassTest メンバーにのみ表示されます)

質問 8

Konrad is the owner of CrossBoy, a manufacturing company employing over 50 employees. Konrad recently took out a $500,000 loan to expand his business. Terrence works as a sales manager and is responsible for roughly 40% of the company's revenue. Konrad recognizes the importance of Terrence's contributions to the success of the company. Therefore, in addition to a sizeable basesalary, CrossBoy also pays Terrence regular performance-based bonuses. Konrad understands that if Terrence dies prematurely, CrossBoy would suffer financially. What should he do to protect his company?

A. Offer Terrence group life insurance plan.

B. Purchase business-owned buy-agreement with Terrence.

C. Purchase criss-cross insurance with Terrence.

D. Purchase key person life insurance on Terrence.

正解: D

解説: (PassTest メンバーにのみ表示されます)

IFSE Institute Life License Qualification Program (LLQP) - LLQP 模擬練習