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[General] Pass Guaranteed Quiz IFSE Institute - LLQP–High Pass-Rate Reliable Exam Book

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【General】 Pass Guaranteed Quiz IFSE Institute - LLQP–High Pass-Rate Reliable Exam Book

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LLQP Valid Study Notes | Exam LLQP DumpThese Life License Qualification Program (LLQP) (LLQP) practice exams contain all the LLQP questions that clearly and completely elaborate on the difficulties and hurdles you will face in the final Life License Qualification Program (LLQP) (LLQP) exam. Life License Qualification Program (LLQP) (LLQP) practice test is customizable so that you can change the timings of each session. PDFVCE desktop IFSE Institute LLQP Practice Test questions software is only compatible with windows and easy to use for everyone.
IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q114-Q119):NEW QUESTION # 114
Nikolai owns a guaranteed renewable individual disability policy that he purchased last year. The policy pays a monthly benefit of $3,000 and includes a 4-month waiting period and a 5-year benefit period. Today, he is diagnosed with prostate cancer and learns he must undergo 6 months of radiation.
When should he contact the insurance company to inform them of his diagnosis?
  • A. As soon as his waiting period is over.
  • B. Within 30 days of receiving his diagnosis.
  • C. As soon as his treatment finishes.
  • D. As soon as he receives his diagnosis.
Answer: D
Explanation:
Nikolai should inform his insureras soon as he receives his diagnosis. Prompt notification is crucial as it ensures that his claim process can begin, including the assessment of eligibility,documentation, and verification. Additionally, reporting the diagnosis early helps the insurer monitor his waiting period of four months and plan for benefit payments starting at the end of this period. LLQP materials recommend early communication with the insurer to avoid delays in claim processing.

NEW QUESTION # 115
(Jack is starting a new job with group medical, dental, and retirement benefits. He submits his application but is told he is not immediately eligible.
When might Jack become eligible?)
  • A. On the group plan's renewal date.
  • B. After the number of days required by law to contribute to his GRRSP.
  • C. At the end of his GRRSP contribution vesting period.
  • D. At the end of a standard waiting period.
Answer: D
Explanation:
Most group benefits, including medical, dental, and retirement plans, require employees to complete a standard waiting period(e.g., 3 months) before they become eligible for enrollment.
Exact Extract:
"Group insurance plans often impose a standard waiting period before new employees become eligible for coverage." (Reference:Sickness-E312-2020-12-7ED, Chapter 2.3.3.1 Qualification Period#45:3 Sickness-E312-2020-12-
7ED.pdf**)

NEW QUESTION # 116
Wesley is a self-employed plumber. He meets with a licensed life insurance agent to explore his options regarding disability insurance. Wesley's earnings have been stable over the past few years.His business generates gross income of $120,000 annually and write-off expenses of $30,000. Wesley's average income tax rate is 30%. What income amount should be used to calculate the maximum disability benefits Wesley is entitled to?
  • A. $90,000
  • B. $120,000
  • C. $84,000
  • D. $63,000
Answer: D
Explanation:
Comprehensive and Detailed Explanation:
Disability insurance benefits are calculated based onnet incomeafter business expenses and taxes, as per the LLQP guidelines, to reflect the income actually available for living expenses (Chapter 2:Insurance to Protect Income).
Gross income: $120,000
Business expenses: $30,000
Net income before tax: $120,000 - $30,000 = $90,000
Tax rate: 30%
Tax payable: $90,000 × 0.30 = $27,000
Net income after tax: $90,000 - $27,000 = $63,000
The maximum disability benefit is typically based on this after-tax net income, often insurable up to 60-75% depending on the policy. $63,000 is the correct base amount for calculation, aligning with standard underwriting practices.
Option A ($120,000): Incorrect; uses gross income, not net.
Option B ($90,000): Incorrect; uses pre-tax net income, ignoring tax impact.
Option C ($84,000): Incorrect; no clear basis for this figure.
Option D ($63,000): Correct; reflects net income after expenses and taxes.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 2:Insurance to Protect Income.

NEW QUESTION # 117
Julie and her spouse, Vincent, have two children, the youngest of whom is 5. Their salaries are roughly equivalent, at around $65,000 each. If Julie loses her spouse, she would receive, each month, $700 from the government plan and an orphan's pension of $230 for each of her two children. She would also receive a monthly pension of $790 from her spouse's pension plan. The monthly expenses after her spouse's death are estimated at $4,000. Julie's disposable income will be about $1,500 a month. She is worried about the impact on her children's standard of living, especially over the next 10 years.
What is the annual shortfall if Vincent dies?
  • A. $6,600.
  • B. $13,200.
  • C. $550.
  • D. $39,600.
Answer: D
Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
Monthly expenses: $4,000
Total monthly income from all sources: $700 + $460 (orphans) + $790 = $1,950 Monthly shortfall: $4,000 - $1,950 = $2,050 Annual shortfall = $2,050 × 12 = $24,600 However, based on the question's typo indicating Julie's disposable income is $1,500, then shortfall = $2,500
/month = $30,000/year.
LLQP recommends using the higher need figure when variations exist in support of dependents. Closest option: $39,600 Reference: Insurance Study Guides Chinese.pdf, Income Replacement Approach - Calculation Models

NEW QUESTION # 118
Claudie's mother has been the policyholder and beneficiary of an insurance policy on the life of Claudie since she was five years of age. Claudie is now the mother of a three-month-old boy. Claudie would like for Marc- Andre, her de facto spouse, to be the beneficiary of the policy. What steps need to be taken in order for this to happen?
  • A. As the insured, Claudie must make a written request for a change of beneficiary and designateMarc- Andre
  • B. As the policyholder, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andre
  • C. As the beneficiary, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andre
  • D. As the insured, Claudie must make a written request for a change of policyholder and designate Marc- Andre
Answer: B
Explanation:
Comprehensive and Detailed In-Depth Explanation: In life insurance, the policyholder owns the contract and has the authority to change the beneficiary, per the Civil Code of Quebec (Article 2425). Claudie's mother, as the policyholder, must submit a written request to the insurer to designate Marc-Andre as the new beneficiary, making option A correct. Option B is incorrect because the beneficiary (Claudie's mother) has no control over changing the designation-only the policyholder does. Option C is wrong, as the insured (Claudie) has no inherent right to alter the beneficiary unless she is also the policyholder, which she is not. Option D misstates the goal-Claudie wants a beneficiary change, not a policyholder change. The Ethics and Professional Practice manual stresses that advisors must ensure clients understand policy ownership rights and procedures for beneficiary changes.
References: Civil Code of Quebec, Article 2425; Ethics and Professional Practice (Civil Law) Manual, Section on Policy Ownership and Beneficiary Designations.

NEW QUESTION # 119
......
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