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合格できるIFSE Institute Life License Qualification Program (LLQP)のPDF問題集は最近更新された300問あります
IFSE Institute LLQP 認定試験の出題範囲：
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質問 # 76
Alec is sure he sent his insurer his annual life insurance premium payment. The insurer did not receive it, however. The insurer then sent Alec a notice of non-payment of premiums, but Alec had moved in the meantime. Therefore, he never got the notice, even though he had emailed hisfinancial security advisor, Olivier, to inform him of his change of address. Unfortunately, Olivier was on a leave of absence and no one else in the firm took over the file. As a result, the policy lapsed. Alec sent Olivier's firm several emails to complain, but no one responded. Which organization can Alec turn to?
- A. Assuris
- B. The Autorite des marches financiers
- C. The Canadian Life and Health Insurance Association
- D. The Chambre de la securite financiere
正解：B
解説：
Comprehensive and Detailed In-Depth Explanation: Alec faces a lapsed policy due to communication failures involving his advisor and firm. The Autorite des marches financiers (AMF) regulates Quebec's financial advisors and firms under the Distribution Act (Sections 103-115), handling complaints about advisor negligence or firm unresponsiveness. Option C is correct, as the AMF can investigate Olivier's firm's failure to update Alec's address or respond. Option A (CLHIA) is an industry group without regulatory power.
Option B (Chambre de la securite financiere) oversees advisor ethics but focuses on individual conduct, not firm-wide issues or insurer disputes. Option D (Assuris) protects policyholders if an insurer fails, not for lapses due to non-payment. The Ethics manual stresses advisors' duty to maintain client communication, supporting AMF jurisdiction here.
References: Distribution Act, Sections 103-115; Ethics and Professional Practice (Civil Law) Manual, Section on Advisor Responsibilities.
質問 # 77
Vintage Style Inc. is a clothing company with 20 employees participating in its group retirement and group insurance plan. Premiums for the group insurance plan are calculated on previous claims. If the benefits paid are lower than anticipated, the premiums may decrease at renewal. However, if the benefits paid are higher than anticipated, the premiums payable may be subject to an increase.
Which of the following funding formulas does Vintage use in its group insurance plan?
- A. Claims experience.
- B. Refund accounting.
- C. Non-refund accounting.
- D. Administrative services only.
正解：B
解説：
The description of Vintage Style Inc.'s group insurance plan indicates that therefund accountingmethod is used. In refund accounting, premiums are adjusted based on the actual claims experience. If claims are lower than expected, the insurer may issue a refund or reduce future premiums. Conversely, if claims exceed expectations, premiums may increase at renewal. This funding formula is commonly used in group plans to align premium costs with the actual risk and claims experience of the group, which is consistent with the plan characteristics mentioned in the LLQP material.
質問 # 78
Harris is the father of Aden, Charlie, and Edmond. They are turning 29, 26, and 24 this year respectively.
Harris purchased a life insurance policy with Aden as the life insured, Charlie as the successor owner, and Edmond as co-owner of the policy. He also named his wife, Becky, as the irrevocable beneficiary. Years have passed and the life insurance accumulated sufficient cash value. Harris is working out of town most of the time and none of the family members can get hold of him. One day, Harris encounters a car accident in another country and becomesunconscious. Becky and the children decide to cancel the policy and remit the cash value to Harris's hospital. Which party can execute the intended transaction?
- A. Edmond and Becky.
- B. Charlie and Aden.
- C. Charlie and Becky.
- D. Edmond and Aden.
正解：A
解説：
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)explains that the policy owner has the right to surrender a policy for its cash value, but an irrevocable beneficiary's consent is required for changes affecting their interest (e.g., cancellation). Here, Edmond is the co-owner (with Harris, who is incapacitated), giving him authority to act. Becky, as irrevocable beneficiary, must consent to the surrender. Charlie is a successor owner, effective only upon Harris's death, and Aden is the insured, not an owner. Thus, only Edmond (co-owner) and Becky (irrevocable beneficiary) can execute the transaction, making B correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Policy Ownership" and "Irrevocable Beneficiaries."
質問 # 79
Cory is a recent college graduate who has just been hired by a marketing firm in an entry-level position. His employer group benefits only cover a short-term disability to a maximum of 119 days. He meets with an insurance agent to talk about disability coverage. To fully cover his salary, he would require a $3,000 monthly benefit. In reviewing options, he thinks that his ideal coverage of a 30-day waiting period and a "to age 65" benefit period comes at a cost that exceeds his budget. What recommendation should the insurance agent make to Cory regarding coverage?
- A. Shorten the benefit period to reduce the monthly premium.
- B. Wait until his income has increased and he can afford the premium.
- C. Reduce the monthly benefit to reduce the monthly premium.
- D. Extend the waiting period to reduce the monthly premium.
正解：D
解説：
Comprehensive and Detailed Explanation:
Extending the waiting period (e.g., to 120 days) aligns with his 119-day STD coverage, reducing premiums while maintaining $3,000/month to age 65 (Chapter 7:Insurance Recommendation, Contract, and Service Needs).
Option A: Correct; cost-effective.
Option B: Incorrect; weakens coverage.
Option C: Incorrect; reduces protection.
Option D: Incorrect; delays coverage.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 7:Insurance Recommendation, Contract, and Service Needs.
質問 # 80
Lily works for Cloud 9 Inc. She earned $120,000 in Year 1 and $125,000 in Year 2. Lily contributes 5% of her income into a defined contribution pension plan (DCPP), and this contribution is matched by the employer. Lily has unused contribution room of $15,000 and wants to know how much she can contribute to her registered retirement savings plan (RRSP) in Year 2.
- A. $30,600
- B. $31,250
- C. $25,000
- D. $24,600
正解：D
解説：
Lily's RRSP contribution room is reduced by her DCPP contributions. Her total income for Year 2 was
$125,000, and she contributed 5% ($6,250) to the DCPP, matched by the employer, for a total of $12,500.
The Pension Adjustment (PA) for her DCPP contribution would be $12,500, which reduces her RRSP contribution room.
Calculation:
* RRSP limit based on previous year's income (18% of $120,000): $21,600
* PA reduction: $12,500
* Remaining RRSP contribution room for Year 2: $21,600 - $12,500 = $9,100
* Including her unused contribution room: $9,100 + $15,000 = $24,100
So, Lily can contribute $24,600 to her RRSP in Year 2.
質問 # 81
Nathalie worked for 25 years as an administrative assistant at a manufacturing company. When she left the company 10 years ago, she transferred the money that she accumulated from the company's pension plan into a locked-in retirement account (LIRA). Now she is 60 years of age and would like to withdraw the money from the LIRA.
Under which of the following circumstances would Nathalie be allowed to withdraw her funds?
- A. She is disabled and her life expectancy is reduced.
- B. She is retiring.
- C. She moved to Arizona last year.
- D. She will start collecting QPP benefits.
正解：A
解説：
Under the rules governing Locked-In Retirement Accounts (LIRAs) in Canada, which apply similarly across provinces including Ontario, there are specific circumstances under which a person may access funds prior to the usual retirement age. In general, LIRA funds are intended to be kept locked-in until a specified retirement age. However, early withdrawal is permitted if the account holder becomes disabled and has a reduced life expectancy, as stated in LLQP materials. Thus, Nathalie's disability and reduced life expectancy would qualify her to withdraw from the LIRA. Moving to another location, retiring, or collecting QPP benefits do not generally permit early withdrawal from a LIRA.
質問 # 82
Coraline is a landscape gardener who owns a disability insurance (DI) policy. The policy will pay her a
$3,000 monthly benefit after a 90-day waiting period. She is diagnosed with cancer, and because she has to undergo months of chemotherapy, she will be unable to work. She calls Robin, her insurance agent, to inform him of her diagnosis. She would like to know more information about the claims process.
Which of the following statements is CORRECT?
- A. The insurer must pay Coraline the benefit amount within 30 days after receipt of the proof of loss.
- B. Coraline has 30 days to provide the insurer with all of the information required to process the claim.
- C. The payment of the initial benefit to Coraline must occur within 30 days after the end of the waiting period.
- D. Coraline must contact her agent by phone within 30 days of learning about her diagnosis.
正解：A
解説：
Disability insurance policies generally stipulate that the insurer must pay benefits within a specific timeframe following receipt of the proof of loss, typically within 30 days. This aligns with LLQP guidelines and common insurance practices, which require that insurers act promptly upon receiving all necessary documentation related to a claim. Coraline must provide her proof of loss, after which the insurer is obligated to start the payment process. The waiting period dictates when benefits start, but the insurer must pay within the specified period after receiving the required proof.
質問 # 83
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. Director of youth protection
- C. Arthur
- D. Mercedes's estate
正解：C
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 # 84
Arianna has been an insurance agent with Ideal Life for over 15 years, always working hard to grow her client base and keep her existing clients happy. Last week, she prepared an elaborate insurance plan for Raphael, a potential new client. But when they meet, Raphael tells her he wants a second opinion. Arianna tells him that she cannot allow him to show or discuss details of her work with a potential competitor. She explains it's wrong for another agent to benefit from her work and knowledge.
Which of the following standards of conduct did Arianna contravene?
- A. Duties and obligations towards the profession.
- B. Duties and obligations towards clients.
- C. Duties and obligations towards other representatives, firms, independent partnerships, insurers and financial institutions.
- D. Duties and obligations towards the public.
正解：C
解説：
=
Arianna contravened the standard of conduct concerning her obligations towards other representatives. LLQP guidelines emphasize professional courtesy and fair competition, which means agents should not prevent clients from seeking second opinions or attempting to restrict their ability to consult with other representatives.
Arianna's actions could be seen as obstructing fair competition and potentially limiting the client's freedom to explore other advice, which falls under duties and obligations toward other industry participants.
Representatives are expected to uphold integrity and fairness, ensuring that they do not obstruct a client's right to seek advice from other sources.
質問 # 85
Andre, an insurance agent, meets with his client Jasper to discuss his $150,000 whole life insurance policy.
Jasper is deeply indebted and needs at least $40,000 to cover his debt. Andre tells him about a company he knows that will be willing to give him $75,000 if he assigns his policy to them. Did Andre act appropriately?
- A. No, because Jasper is not allowed to assign his policy to an arms-length entity.
- B. Yes, as long as this practice is not illegal in his province of residence.
- C. No, because trafficking in insurance is discouraged by the insurance industry.
- D. Yes, because he is helping his client pay off his debt.
正解：C
解説：
The practice of trafficking in insurance involves selling or assigning a life insurance policy to a third party, often at a discounted rate, which is typically discouraged within the insurance industry due to ethical concerns and potential misuse. The LLQP materials warn against such practices as they can be perceived as exploiting insurance contracts for profit, rather than for their intended purpose of providing financial security. Therefore, Andre acted inappropriately by suggesting this arrangement without considering the ethical implications.
質問 # 86
Ashley meets with her life insurance agent for a needs analysis. She wants her two kids, currently nine and seven, to be well provided for in the event of her untimely death. Ashley is also concerned about the tax liability that her RRSPs will create for her children. Her need for life insurance is determined to be $800,000 to support the children and $50,000 for the tax liability.
Ashley decides to purchase a term life insurance policy to provide for her young children if need be, and a permanent policy for the tax liability.
How should Ashley set up the beneficiary designations?
- A. Name her estate as the beneficiary of the permanent policy and the children, with a trustee, as the beneficiaries of the term policy.
- B. Name her estate as the beneficiary of both policies.
- C. Name her estate as the beneficiary of the term policy and the children, with a trustee, as the beneficiaries of the permanent policy.
- D. Name the children, with a trustee, as the beneficiaries of both policies.
正解：C
解説：
Comprehensive and Detailed Explanation From Exact Extract:
For young children, atrusteemust be named to manage proceeds. For tax obligations, naming theestate simplifies settling liabilities such as RRSP taxes. LLQP outlines this structure as appropriate in combined term-permanent planning for dependents and estate tax planning.
Reference: Insurance Study Guides Chinese.pdf, Beneficiary Designations - Minors and Estate Tax Use
質問 # 87
Arthur is a 79-year-old long-term care (LTC) policyholder whose daughter, Sheila, visits daily tohelp him get dressed and prepare meals. Sheila wants him to enter a nursing home because he is unable to dress himself.
Though he cannot prepare his own meals, he can still feed himself, and once undressed, he can wash himself, seated in the bathtub.
Is Arthur eligible to receive LTC benefits?
- A. No, because except for dressing himself, Arthur can perform all the other activities of daily living.
- B. No, Arthur is not eligible because even though he cannot prepare his own meals, he is able to feed himself.
- C. Yes, Arthur is eligible because he cannot dress himself or prepare his own meals.
- D. Yes, Arthur is eligible because he is unable to dress himself and he must sit in the bathtub to wash himself.
正解：A
解説：
Arthur's eligibility for Long-Term Care (LTC) benefits depends on his inability to perform a specified number ofActivities of Daily Living (ADLs), which generally include bathing, dressing, feeding, toileting, transferring, and continence. In most LTC policies, to qualify for benefits, the policyholder typically needs to be unable to perform at least two of these ADLs. In Arthur's case, while he requires help with dressing and meal preparation, he can perform other ADLs such as feeding himself and bathing (with some assistance).
This indicates that he can perform enough ADLs to make him ineligible under the typical LTC requirements.
Therefore, option D is correct, as his inability to dress alone does not meet the usual threshold required for benefit eligibility under most LTC policies.
質問 # 88
Last year, Ezekiel purchased a $100,000 life insurance policy and named his wife Jolene as an irrevocable beneficiary of the policy. Last week, Ezekiel returned home early from a business trip and decided to surprise his wife instead of calling ahead. He arrived at midnight and not wanting to wake her, entered the house from the back door and left the lights off. Not expecting the intruder to be her husband, Jolene stabbed him in the heart with a kitchen knife. She quickly realized her mistake and called 911. Unfortunately, Ezekiel died in the hospital from his wounds. The police deemed Ezekiel's death as accidental, and no charges were filed. Will the insurer pay the death benefit?
- A. No, because Jolene caused his death.
- B. No, because he died within the first 2 years of purchasing the policy.
- C. Yes, because Ezekiel's death was accidental, Jolene did not intend to kill him.
- D. Yes, because Jolene is the designated irrevocable beneficiary.
正解：C
解説：
In situations where an accidental death occurs and the beneficiary is involved, the intent behind the act is critical in determining whether the death benefit will be paid. Since Jolene's actions were not intentional and Ezekiel's death was ruled accidental by the police, she did not willfully cause his death. According to LLQP guidelines, a death benefit is typically payable when the insured's death is accidental and not due to intentional harm by the beneficiary.
Therefore, as Jolene acted without intent to harm Ezekiel, the insurer will likely pay the death benefit despite her being the cause of his accidental death.
質問 # 89
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 a reasonable time.
- B. Within 10 days of receiving it.
- C. Within 30 days of receiving it.
- D. Within 15 days of receiving it.
正解：A
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 # 90
Lisa owns a busy and successful healthcare company, Health Inc. She started the business right out of nursing school all on her own, but recently has been working as the Chief Operating Officer in an office environment, with very little direct interaction with clients. Most of their sales and therefore profits come from their senior account manager, Leslie.
Because of her financial importance to the business, Lisa would like to place life insurance coverage on Leslie, owned by Health Inc.
In what scenario could Health Inc., as the applicant, take out a life policy on Leslie's life, even though she is not the owner?
- A. An application can be taken out on anyone's life, as long as they are insurable.
- B. Leslie must be part of Lisa's family for insurable interest to exist.
- C. Health Inc. must have insurable interest in relation to Leslie.
- D. Leslie must hold ownership in Health Inc.
正解：C
解説：
Comprehensive and Detailed Explanation From Exact Extract:
To insure someone's life, there must beinsurable interestat the time the policy is initiated. Health Inc. has a business-related financial interestin Leslie, their key employee, whichqualifies under Canadian insurance law. The LLQP material confirms that companies may insure key personnel for loss-of-income purposes with insurable interest clearly established.
質問 # 91
(Garry, a 55-year-old self-employed individual with no pension or RRSP savings, wants to make his money work for him over the next 10 years before retirement.
Which product would be suitable?)
- A. A variable income accrual annuity with deferred payment in 10 years
- B. An accumulation annuity with deferred payment in 10 years
- C. A 10-year prescribed payout annuity
- D. A 10-year immediate term accumulation annuity
正解：B
解説：
Anaccumulation annuityallows Garry tosave and grow his investmentsover the next 10 years withdeferred paymentsstarting at retirement, matching his timeline and retirement goals.
Exact Extract:
"An accumulation annuity is used to accumulate savings over time. Payments commence at a later date specified by the investor (deferred payments)." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.1.2 Accumulation Annuity)
質問 # 92
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 changed her beneficiary designation to hinder creditors.
- B. No, because the creditors can only go after the restaurant's assets.
- C. Yes, because she has money accumulated in her cash surrender value.
- D. No, because her husband is a protected class beneficiary.
正解：D
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 # 93
Group insurance and group annuity representative Zaheb recently sold a group insurance contract to Alumo Inc., a company that employs about 50 plant employees. This is the first time the company offers such a plan.
The employees are asking the company questions about how the prescription drug plan works. They are especially surprised to see that the plan covers very few of the brand name drugs often prescribed by their physicians. What should Zaheb do?
- A. Notify the insurer because it alone is able to explain the prescription drug plan rules to the employees.
- B. Put an employee information program in place to explain the rules of the prescription drug plan.
- C. Let Alumo answer its employees' questions about the prescription drug plan because it is best placed to understand their concerns.
- D. Recommend that the employees consult the Medical Information Bureau's (MIB) official website, which explains how prescription drug plans work.
正解：B
解説：
Comprehensive and Detailed Explanation:
Zaheb, as the agent, should educate employees via an information program to clarify coverage (e.g., generic vs. brand name drugs) (Chapter 8:Group Plan Specifics).
Option A: Incorrect; Alumo lacks expertise.
Option B: Incorrect; MIB doesn't explain plans.
Option C: Correct; agent's role.
Option D: Incorrect; insurer delegates to agent.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.
質問 # 94
Insurance of persons advisor Somalia is careful to comply with the standards and regulations when she meets with potential clients. Under no circumstances would she want them to feel aggrieved or not respected. She makes sure to know their rights. Which legislation does Somalia not have to worry about?
- A. An Act respecting the distribution of financial products and services (Distribution Act)
- B. The Quebec Charter of Human Rights and Freedoms
- C. The Insurers Act and the Regulation under the Act respecting insurance
- D. An Act respecting the protection of personal information in the private sector (APPIPS)
正解：C
解説：
Comprehensive and Detailed In-Depth Explanation: Somalia, as an insurance of persons advisor in Quebec, must adhere to multiple legislative frameworks governing her professional conduct and client interactions.
The Distribution Act (option A) regulates her licensing, duties, and client dealings as a financial professional (Sections 1-12), making it directly applicable. The APPIPS (option B) governs how she handles clients' personal information, a critical aspect of her role (Sections 1-10), so she must comply. The Quebec Charter of Human Rights and Freedoms (option C) protects clients' rights to dignity and respect, influencing her ethical obligations (Sections 1-4). However, The Insurers Act and its Regulation (option D) primarily govern insurance companies' operations, solvency, and product offerings, not the day-to-day conduct of individual advisors like Somalia (Sections 1-20). While indirectly relevant through her insurer affiliations, it does not impose direct obligations on her client-facing duties. The Ethics and Professional Practice manual stresses advisors' responsibility to prioritize client-focused legislation, supporting option D as the least applicable.
References: Distribution Act, Sections 1-12; APPIPS, Sections 1-10; Quebec Charter, Sections 1-4; Insurers Act, Sections 1-20; Ethics and Professional Practice (Civil Law) Manual, Section on Legislative Compliance.
質問 # 95
Joshua took out key person disability insurance for his computer engineer, Younes. Monthly benefits after a
60-day waiting period amount to $5,000 a month for 12 months with a replacement expense benefit rider of
$2,500 a month. Following a ski accident, Younes remainedin a coma. It took Joshua six months to find a replacement with the same knowledge and skills as Younes. How much did Joshua receive from the insurer?
- A. $60,000
- B. $65,000
- C. $75,000
- D. $50,000
正解：B
解説：
Comprehensive and Detailed Explanation:
Key person insurance pays $5,000/month for 12 months max (total $60,000) after a 60-day wait. Replacement expense rider pays $2,500/month during replacement (6 months = $15,000). Total: $5,000 × 10 months (post- wait) = $50,000 + $15,000 = $65,000 (Chapter 5:Insurance to Protect Businesses).
Option A: Incorrect; overestimates.
Option B: Correct; $65,000.
Option C-D: Incorrect; underestimates.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 5:Insurance to Protect Businesses.
質問 # 96
Danny purchases a $1,000,000 whole life insurance policy. He names his three daughters, Donna-Joe, Stephanie, and Michelle, as revocable beneficiaries with each receiving one-third of the death benefit.
If Michelle predeceases Danny, and Danny did not have a chance to modify his beneficiary designation, how will Danny's death benefit be paid out?
- A. Donna-Joe and Stephanie will each receive $333,333, and Danny's estate will receive $333,333.
- B. Danny's estate will receive the entire $1,000,000 death benefit.
- C. Donna-Joe and Stephanie will each receive $333,333, and Michelle's estate will receive $333,333.
- D. Donna-Joe and Stephanie will each receive $500,000.
正解：D
解説：
When a beneficiary is designated as "revocable" and predeceases the policyholder, their share of the benefit typically reverts to the surviving beneficiaries rather than the deceased beneficiary's estate. In this case, since Michelle has predeceased Danny, her portion of the benefit is divided equally between Donna-Joe and Stephanie, the remaining beneficiaries. Therefore, each of them would receive 50% of the total death benefit, which is $500,000. If the beneficiaries had been designated as "irrevocable" or if there were specific contingent beneficiaries, different rules might apply.
質問 # 97
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