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[Hardware] Reasonable LLQP Exam Price & Test LLQP Lab Questions

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【Hardware】 Reasonable LLQP Exam Price & Test LLQP Lab Questions

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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q297-Q302):NEW QUESTION # 297
Ten years ago, Albert purchased a life insurance policy and designated his brother Stephen as the sole beneficiary. Albert is single and Stephen is his only family. Albert is a frequent traveler and enjoys doing exotic sports in South Africa. During his trip in South Africa in July 2019, there was a heavy earthquake in the region and a lot of the buildings fell apart. It was reported that Albert could be drinking in one of the restaurants when the disaster happened. His body was not located at that time. The South African government declared the incident as a national disaster. After the incident, Stephen got a letter from the life insurance company indicating Albert's life insurance was in grace period and a payment was required or it will lapse on August 15, 2019. Two weeks have passedsince the mail arrived and the grace period is over. The policy is now lapsed because Stephen was occupied with Albert's disappearance. On October 1, 2019, Albert's body is finally located in one of the building ashes. The coroner's report indicated he died when the building collapsed. What should Stephen do to handle the life insurance matter?
  • A. Stephen would not be able to make a claim because the policy already lapsed.
  • B. Stephen could bring the policy back in force by telling the insurance company what happened and start paying the premium again.
  • C. Stephen should make a death claim because Albert died on the day when the earthquake occurred.
  • D. Stephen would not be able to make a claim because the coroner's report came out after the policy lapsed.
Answer: C
Explanation:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)states that a life insurance policy's coverage remains in effect during the grace period (typically 30 days) if the insured dies before it lapses. Albert died in July 2019 during the earthquake, within the grace period (ending August 15, 2019). The delay in finding his body or issuing the coroner's report doesn't negate the claim, as death occurred while the policy was active.
Lapse after death (B, C) doesn't apply, and reinstatement (D) is unnecessary since the claim is valid based on the death date. Stephen should file a claim, making A correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Grace Period and Claims."

NEW QUESTION # 298
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 paid, because paying the death benefit would be consistent with public order and community standards.
  • B. The claim will be rejected, because Mordecai's poor mental health was, in all likelihood, a preexisting condition.
  • 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 the suicide exclusion begins with the date the insurer reinstates the policy.
Answer: D
Explanation:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)explains that life insurance policies typically include a suicide clause, which denies the death benefit if the insured commits suicide within a specified period-usually two years-from the policy's issue date or reinstatement date. When a policy lapses and is reinstated, the suicide exclusion period restarts from the reinstatement date, not the original issue date.
In this case, Mordecai's policy lapsed after four years, was reinstated, and he committed suicide 12 months (less than two years) later. The incontestability clause (which prevents insurers from denying claims based on misstatements after two years) does not override the suicide exclusion, making A incorrect. Public order (B) is irrelevant, and there's no evidence of a preexisting condition (D) affecting the suicide clause. Thus, Larry should inform the beneficiaries that the claim will be rejected due to the suicide exclusion restarting upon reinstatement, making C correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Suicide Clause" and "Reinstatement."

NEW QUESTION # 299
France is a daycare owner who has an employer group benefits plan in place for her employees. During her annual renewal meeting with her insurance agent, she is told that the plan's rates are increasing by a surprisingly large percentage. Her agent explains that although most of her staff are young females in their
20s, the claims experience is higher than the industry norm. What amendment to the group plan could France' s agent suggest to help control the cost?
  • A. Only cover a class of employees who submit infrequent claims.
  • B. Add deductibles and co-insurance factors to the plan.
  • C. Only offer benefits to employees-not their dependants.
  • D. Reduce the benefit offering to make submitting a claim less appealing.
Answer: B
Explanation:
Comprehensive and Detailed Explanation:
Adding deductibles and co-insurance shifts costs to employees, reducing claims and premiums (Chapter 8:
Group Plan Specifics).
Option A: Limits coverage scope, not claims.
Option B: Discriminatory; impractical.
Option C: Correct; effective cost control.
Option D: Reduces value, not optimal.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.

NEW QUESTION # 300
Marsha and Alexis are equal partners in an advertising firm. They meet with Jose, an insurance agent, and Horacio, their lawyer, because they would like to protect themselves if one of them becomes disabled and unable to work for an extended period of time. At the end of their meeting, they agree to purchase $500,000 disability insurance policies on each other by each of them paying premiums.
What type of agreement do Marsha and Alexis have?
  • A. Business loan protection disability insurance
  • B. Key person insurance
  • C. Cross-purchase agreement
  • D. Entity purchase agreement
Answer: C
Explanation:
In across-purchase agreement, business partners purchase disability or life insurance policies on each other.
If one partner becomes disabled, the other partner uses the proceeds from the insurance to buy out the disabled partner's share in the business. Marsha and Alexis have agreed to purchase disability insurance policies on each other, with each paying the premium on the policy for their partner. This structure aligns with the cross-purchase format, where each partner independently holds the policy on the other, as described in LLQP materials on business continuation planning. The other options, such as an entity purchase agreement, involve the business purchasing the policy, which is not the case here.

NEW QUESTION # 301
Benjamin is a financial security advisor working for the Larson Group. He is following a mandatory compliance training session given by Andrew, the compliance manager. Andrew explains the importance of following the Chambre de la securite financiere code of ethics, and Benjamin would like to know to whom the code of ethics applies.
What is Andrew's CORRECT response?
  • A. Claims adjusters and group insurance plan advisors.
  • B. Financial security advisors and their administrative assistants.
  • C. Financial planners and financial security advisors.
  • D. Damage insurance agents and accident and sickness insurance representatives.
Answer: C
Explanation:
The Chambre de la securite financiere code of ethics applies specifically to financial security advisors and financial planners in Quebec. This code outlines the professional conduct required of those working within the financial services industry who advise clients on security products. Administrative assistants, claims adjusters, and damage insurance agents do not fall under the purview of the CSF code of ethics as they are regulated under different professional codes or by different oversight organizations.

NEW QUESTION # 302
......
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