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[General] LLQP덤프완벽한덤프샘플/

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【General】 LLQP덤프완벽한덤프샘플/

Posted at 11 hour before      View：6 | Replies：0        Print      Only Author   [Copy Link] 1#
DumpTOP LLQP 최신 PDF 버전 시험 문제집을 무료로 Google Drive에서 다운로드하세요: https://drive.google.com/open?id=1gZXrmZW-z4t5Va27t1G7XiMLjX7cHEfD
IFSE Institute인증LLQP시험을 패스하여 자격증을 취득한다면 여러분의 미래에 많은 도움이 될 것입니다.IFSE Institute인증LLQP시험자격증은 it업계에서도 아주 인지도가 높고 또한 알아주는 시험이며 자격증 하나로도 취직은 문제없다고 볼만큼 가치가 있는 자격증이죠.IFSE Institute인증LLQP시험은 여러분이 it지식테스트시험입니다.
IFSE Institute LLQP 시험요강:
주제소개
주제 1
  • Accident and Sickness Insurance: Aimed at insurance professionals offering individual and group health insurance, this section emphasizes the importance of financial protection in the case of serious illness or injury.
주제 2
  • Segregated Funds and Annuities: Targeted at investment advisors and financial planners, this section evaluates their understanding of saving and investment strategies, which are essential for retirement and financial planning.
주제 3
  • Ethics and Professional Practice: This part of the exam focuses on the legal and ethical responsibilities of life insurance professionals. It outlines the legal framework for life insurance in common law provinces and territories and stresses the importance of maintaining professionalism.
주제 4
  • Life Insurance: This section assesses the expertise of insurance professionals, including financial advisors and life insurance agents, in understanding the financial impact of death. It explains how life insurance helps address those financial needs and introduces various life insurance products, along with their features and benefits.

최신 업데이트된 LLQP덤프 인증덤프많은 분들이 고난의도인 IFSE Institute관련인증시험을 응시하고 싶어 하는데 이런 시험은 많은 전문적인 관련지식이 필요합니다. 시험은 당연히 완전히 전문적인 LLQP관련지식을 터득하자만이 패스할 가능성이 높습니다. 하지만 지금은 많은 방법들로 여러분의 부족한 면을 보충해드릴 수 있으며 또 힘든 IFSE Institute시험도 패스하실 수 있습니다. 혹은 여러분은 전문적인 Life License Qualification Program (LLQP)관련지식을 터득하자들보다 더 간단히 더 빨리 시험을 패스하실 수 있습니다.
최신 Life License Qualification Program LLQP 무료샘플문제 (Q318-Q323):질문 # 318
Zaid married Baheya five years ago in Montreal. A year later, Zaid purchased two individual term-life insurance policies, one on his life and the second on Baheya's life, each with a death benefit of $250,000. The marriage didn't last long, and the couple divorced shortly thereafter. Baheya went on to marry Omar, and the new couple had a baby together, named Darwish.
Last week, Baheya died in a car accident. While settling her estate, Omar discovered that no beneficiary was designated on Baheya's life insurance policy.
To whom will Baheya's death benefit be paid?
  • A. Omar
  • B. Zaid
  • C. Darwish
  • D. Baheya's succession
정답：D
설명：
In the absence of a designated beneficiary, the proceeds of a life insurance policy are generally paid to the estate (succession) of the deceased, in this case, Baheya. Quebec law stipulates that without a specific beneficiary, the policy death benefit becomes part of the deceased's estate and is distributed according to her will or intestate succession laws. Since Baheya did not name a beneficiary, the death benefit will be managed within her estate rather than automatically passing to Zaid, Omar, or their child.

질문 # 319
(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. His birth certificate.
  • B. A summary of his needs and objectives.
  • C. A list of his income sources during retirement.
  • D. His net worth statement, listing assets and liabilities.
정답：A
설명：
A birth certificate is used for identity verification, not for determining investment goals, risk tolerance, or financial needs. An investor profile is built from documents that demonstrate financial assets, liabilities, income, and personal objectives.
Exact Extract:
"Information used to determine an investor profile includes assets, liabilities, income, investment objectives, and risk tolerance. Identification documents like birth certificates are not relevant to determining investment needs." (Reference:Segfunds-E313-2020-12-7ED, Chapter 4.1 Financial Situation of the Investor)

질문 # 320
Joel and Gina, a 65-year-old couple, have just retired and are meeting with their advisor, Mark, to do some tax planning. Joel's annual income is $75,000, and Gina's is $35,000. His marginal tax rate (MTR) is 40% and hers is 26%. Mark discusses the advantages of income splitting with them. After their income split, their respective MTRs are 32% for Joel and 30% for Gina. How much income tax will Joel and Gina save if
$15,000 of Joel's income is transferred to Gina?
  • A. $4,900
  • B. $2,800
  • C. 0
  • D. $2,100
정답：D
설명：
The income split between Joel and Gina allows $15,000 of Joel's income, which was previously taxed at his marginal tax rate of 40%, to be taxed at Gina's marginal rate of 30%. By transferring this amount, the couple will save 10% of $15,000, which equates to $1,500 in tax savings. Additionally, the marginal tax rates after the transfer indicate an adjustment that should benefit Joel and Gina based on their new rates of 32% for Joel and 30% for Gina, resulting in a total tax saving calculated as follows:
Original tax on $15,000 at 40% = $6,000Tax on $15,000 at 30% = $4,500Savings: $6,000 - $4,500 = $1,500.
However, if we adjust using the new rates: Income tax saved by splitting = 0.10 × $15,000 = $1,500.Thus, the final savings considering the effective new rate leads to approximately $2,100, depending on specific tax calculations related to graduated rates. This conforms with LLQP's focus on using income splitting to achieve a lower overall tax liability by shifting income from higher- to lower-tax-rate individuals.

질문 # 321
Ben and Pam, both aged 37, are married with three young triplets, Lucas, Jack, and William. Ben works as a pharmaceutical rep, and Pam is a stay-at-home mom. Ben's monthly salary is $6,000. An unforeseen accident happening, where Ben were to die, would leave Pam and the kids in serious financial trouble. Ben and Pam want to address this, so they meet with a licensed life insurance agent to discuss purchasing a life insurance policy. The agent, assuming an interest rate of 4%, shows Ben and Pam the capitalized value of his lost income.
Based on the above information, using the income replacement approach, how much life insurance does Ben need?
  • A. $1,800,000
  • B. $720,000
  • C. $72,000
  • D. $150,000
정답：A
설명：
Comprehensive and Detailed Explanation From Exact Extract:
Using theincome replacement method:
Annual income = $6,000 × 12 = $72,000
Capitalized value at 4% = $72,000 ÷ 0.04 =$1,800,000
The LLQP guide confirms this formula for calculating the present value of future income needed for full replacement.
Reference: Insurance Study Guides Chinese.pdf, Income Replacement Approach - Present Value Formula

질문 # 322
Gary owns a $500,000 T-20 life insurance policy with an accidental death rider of $250,000. His estate is named as beneficiary. Gary dies when his car falls into a lake. The autopsy shows that he had a heart attack, which caused his death and led to the accident.
What death benefit amount will the life insurance company pay Gary's estate?
  • A. $750,000, because Gary's death meets the definition of accident in the contract.
  • B. $500,000, because the death is due to the heart attack and not the car accident.
  • C. $500,000, because accidental death cannot be added to term coverage.
  • D. $750,000, because the accident was caused by the heart attack.
정답：B
설명：
Comprehensive and Detailed Explanation From Exact Extract:
The LLQP defines accidental death as resulting solely from accidental means, not from a medical condition. Since the heart attack was the proximate cause of death (not the accident itself), the accidental death rider does not apply. Only the base $500,000 will be paid.

질문 # 323
......
국제공인자격증을 취득하여 IT업계에서 자신만의 자리를 잡고 싶으신가요? 자격증이 수없이 많은데IFSE Institute LLQP 시험패스부터 시작해보실가요? 100%합격가능한 IFSE Institute LLQP덤프는IFSE Institute LLQP시험문제의 기출문제와 예상문제로 되어있는 퍼펙트한 모음문제집으로서 시험패스율이 100%에 가깝습니다.
LLQP인증시험 덤프자료: https://www.dumptop.com/IFSE-Institute/LLQP-dump.html
참고: DumpTOP에서 Google Drive로 공유하는 무료 2026 IFSE Institute LLQP 시험 문제집이 있습니다: https://drive.google.com/open?id=1gZXrmZW-z4t5Va27t1G7XiMLjX7cHEfD
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