IFSE Institute LLQP最新試験、LLQP基礎問題集

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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	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。
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	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。

>> IFSE Institute LLQP最新試験 <<

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IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q94-Q99):質問 # 94
(Gregory and Vanessa married at an early age and had three children, who are now in their forties:
Eve, Rick and Max. When the couple retired five years ago, they purchased a joint life annuity. They also had a will drawn up naming the three children as equal beneficiaries of their estate. The will specifies that Eve will act as executor of the estate.
Last week, Gregory and Vanessa both died in a car accident.
Who could make a death claim as regards the annuity?)

• A. No claim can be made
• B. Rick and Max
• C. Eve
• D. Eve, Rick and Max
  

正解：A
解説：
Since Gregory and Vanessa bought ajoint life annuity without mention of a guarantee period, the annuity wouldcease payments upon the death of the second annuitant. Therefore,no death claimcan be made on the annuity.
Exact Extract:
"In a joint life annuity with no guarantee period, payments stop upon the death of the second annuitant. No death benefit is payable." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.2.2 Joint Life Contract#53:3†Segfunds-E313-2020-12-
7ED.pdf**)

質問 # 95
Oliver, an insurance agent, meets with Roman and Julie. They are a married couple with a five-year-old son William. After performing a needs analysis for the couple, Oliver concludes that if Roman dies, Julie will have a net annual shortfall of $30,000 per year. Assuming a rate of return of 4% and a tax rate of 40%, how much insurance should Oliver recommend Roman purchase to replace the income shortfall using the income replacement approach adjusted for taxes?

• A. $1,250,000
• B. $390,000
• C. $750,000
• D. $1,875,000
  

正解：C
解説：
To determine the amount of insurance needed for income replacement with a net shortfall of $30,000 per year, the calculation is as follows:
* Calculate Gross Income Needed:Since Roman's income needs to be adjusted for a 40% tax rate:
A black and white math equation Description automatically generated with medium confidence

Calculate Required Capital for Income Replacement:Using the rate of return of 4%, the required capital is:
A number with numbers and lines Description automatically generated with medium confidence

Since the tax rate has already been considered in calculating the $50,000 gross income,Option B($750,000) would be suitable after double-checking the total requirement of post-tax income and aligning with the overall net shortfall for more conservative estimates.Correct answer after full calculation adjustments should beB.
$750,000.

質問 # 96
Donald is married and has two children, ages 3 and 5, one of whom is severely disabled and will never be able to live independently. He is considering buying $500,000 of life insurance to guarantee care for his disabled child for his lifetime. He also wishes to insure his 20-year mortgage of $250,000 to ensure that his family can remain in their home in the event of his death.
What life insurance policy would you recommend to Donald?

• A. A non-participating whole life insurance policy of $500,000 with a T-20 insurance rider of $250,000
• B. A participating whole life insurance policy of $750,000
• C. A participating whole life insurance policy of $250,000 with a T-20 insurance rider of $500,000
• D. A T-20 life insurance policy of $750,000
  

正解：A
解説：
Comprehensive and Detailed Explanation From Exact Extract:
Donald's need is two-fold:
* Permanent needfor his disabled child's care
Reference: Insurance Study Guides Chinese.pdf, Policy Design - Combining Permanent and Term Riders

質問 # 97
Jackson, a new life insurance agent, is planning to promote a group insurance plan to small businesses in the area. After some research, he is able to locate a list of small business contact information online. The list contains office hours, phone numbers, as well as the office addresses. He prints off the list and prepares marketing material pertaining to group insurance and mails it to each of the small businesses. Jackson's business plan is to call the businesses one by one 14 days after the marketing material has been mailed. What should Jackson be aware of to comply with the usual business solicitation practice?

• A. Jackson should make sure the businesses are not on the National Do Not Call List.
• B. Jackson's business solicitation practice is in conflict with the Personal Information Protection and Electronic Documents Act.
• C. Jackson's business solicitation practice is in full compliance.
• D. Jackson should make sure to obtain consent from the businesses in order to comply with Canadian Anti- Spam Legislation.
  

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)outlines compliance requirements for solicitation. Mailing marketing materials to businesses using publicly available contact information is generally permissible under the Personal Information Protection and Electronic Documents Act (PIPEDA), as it applies to personal-not business-information, making B incorrect. However, Jackson's plan to follow up with phone calls triggers theNational Do Not Call List (DNCL)rules, which apply to telemarketing to businesses and individuals unless an exemption (e.g., existing relationship) exists. The Canadian Anti-Spam Legislation (CASL) (D) governs electronic messages (e.g., emails), not phone calls or mailed materials here.
Full compliance (A) requires DNCL checks, making C correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 4: Regulatory Environment, Section on "National Do Not Call List" and "Solicitation Practices."

質問 # 98
Xander fills out a life insurance application to purchase a $75,000 policy. The policy is accepted by the insurer and delivered to him on March 3. He pays the first month's premium upon receipt of the policy.
Unfortunately, on March 9, Xander loses his job and decides that he no longer wants the policy. What will be the consequence of this cancellation?

• A. Xander will be obligated to reinstate the policy once he finds new employment.
• B. Xander's policy will be cancelled, and he will receive a full premium refund.
• C. Xander will not be allowed to cancel the policy because he already accepted it.
• D. Xander's policy will be cancelled, but he will not receive any premium refund.
  

正解：B
解説：
Life insurance policies in Canada generally include a "free look" or "cooling-off" period, typically lasting 10 days from the delivery date, during which the policyholder can cancel the policy for a full refund of any premiums paid. Since Xander requested the cancellation within this period, he will be entitled to a full refund.
This period allows policyholders to review the terms and make a final decision without financial penalty.

質問 # 99
......
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