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[General] Valid Braindumps LLQP Free | LLQP Practice Test

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【General】 Valid Braindumps LLQP Free | LLQP Practice Test

Posted at 9 hour before      View：5 | Replies：0        Print      Only Author   [Copy Link] 1#
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With so many online resources, knowing where to start when preparing for an Life License Qualification Program (LLQP) (LLQP) exam can be tough. But with Life License Qualification Program (LLQP) (LLQP) practice test, you can be confident you're getting the best possible LLQP exam dumps. iPassleader exam simulator mirrors the LLQP Exam-taking experience, so you know what to expect on LLQP exam day. Plus, with our wide range of IFSE Institute LLQP exam questions types and difficulty levels, you can tailor your LLQP exam practice to your needs.
IFSE Institute LLQP Exam Syllabus Topics:
TopicDetails
Topic 1
  • 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.
Topic 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.
Topic 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.
Topic 4
  • 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.

Pass Guaranteed 2026 LLQP: Reliable Valid Braindumps Life License Qualification Program (LLQP) FreeiPassleader has built customizable IFSE Institute LLQP practice exams (desktop software & web-based) for our customers. Users can customize the time and LLQP questions of IFSE Institute LLQP Practice Tests according to their needs. You can give more than one test and track the progress of your previous attempts to improve your marks on the next try.
IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q159-Q164):NEW QUESTION # 159
(Justin purchased a single life annuity contract with no guaranteed period and no survivor benefit. He is now hospitalized.
If Justin passes away, who could make a claim on behalf of his estate regarding the annuity?)
  • A. Only the executor of Justin's estate could make the claim.
  • B. Any person with a power of attorney could make the claim.
  • C. Only Justin's spouse, as the contingent annuitant, could make the claim.
  • D. A death claim could not be made for the annuity Justin purchased.
Answer: D
Explanation:
Since Justin's annuity hadno guaranteed periodandno survivor benefit,payments stop at death. Thus,no death claim can be made.
Exact Extract:
"For a single life annuity with no guarantee period, payments cease upon the death of the annuitant, and no death claim can be made." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.2.1 Single Life Contract#49:4†Segfunds-E313-2020-
12-7ED.pdf**)

NEW QUESTION # 160
Jane took out a $100,000 Term 20 life insurance policy on herself when she got her first baby. She does not work and has no group insurance coverage. Five years later, she got another two newborn babies and needed greater insurance coverage to support her children financially in case of her own death. Jane talked to her insurance agent about having more coverage and, rather than having multiple policies, she decided to have one policy for the total coverage amount. She made an application to the life insurance company to change the coverage from $100,000 to $300,000. She is still in good health and the request for change has been approved.
One year later, Jane took her own life after losing her husband in a tragic car accident. Based on the situation, how will the insurance company pay out the claim?
  • A. Only the first $100,000 will be paid out because that coverage has been in force for more than two years.
  • B. The full $300,000 will be paid out because the policy has been in force for five years before the suicide.
  • C. Only $200,000 will be paid out because the maximum payout is $100,000 per year.
  • D. No benefit will be paid because the policy has been in force for less than two years.
Answer: A
Explanation:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)notes that life insurance policies include a suicide clause, typically denying benefits if suicide occurs within two years of the policy's issue or a significant change (e.g., coverage increase). Jane's original $100,000 policy was in force for over five years, beyond the two-year suicide exclusion. The increase to $300,000, approved one year before her suicide, restarts the exclusion for the additional $200,000. Thus, only the original $100,000-past its exclusion period-is payable. A (arbitrary limit) and C (full payout) misapply the clause, and D (no benefit) ignores the original coverage's duration. B is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Suicide Clause and Policy Changes."

NEW QUESTION # 161
Gino, an insurance of persons representative, is cleaning his office and going through old files. He comes across a file from a former client, Nathan, who owned a 20-year term insurance policy that was cancelled 3 years ago. Nathan now has a different representative and Gino no longer has any contact with him. Gino would like to know if he can destroy Nathan's file.
Which of the following options is CORRECT?
  • A. No, because he must wait until the file has been closed for at least 5 years.
  • B. Yes, because Nathan transferred his affairs to another representative.
  • C. No, because he must wait until the file has been closed for at least 7 years.
  • D. Yes, because Nathan cancelled his policy 3 years ago.
Answer: A
Explanation:
Insurance records must generally be retained for a minimum period to comply with provincial regulatory requirements, which is often five years from the date of termination. This helps ensure compliance with record-keeping mandates and allows for any legal, financial, or administrative review if needed. Gino is obligated to retain Nathan's file until it has been closed for at least five years, despite the change in representation or policy status.

NEW QUESTION # 162
Anita is a 50-year-old woman who is thinking of purchasing a $150,000 permanent life insurance policy to pay for the capital gains tax that will be payable on her country home upon her death. She had purchased the home twelve years ago and wants to bequeath the property to her niece when she dies.
Which of the following features about a permanent insurance policy is TRUE?
  • A. The policy cannot be cancelled by Anita.
  • B. Anita must contact the insurer if there is a change in the insurability.
  • C. The premiums will remain level for the duration of the contract.
  • D. The coverage ends when Anita turns 100.
Answer: C
Explanation:
Permanent life insurance policies generally offerlevel premiumsfor the duration of the contract, meaning that Anita's premium payments will not increase as she ages. While coverage can be structured to extend beyond age 100, many permanent policies maintain level premiums for the policyholder's lifetime. Unlike term insurance, Anita can also cancel the policy at any time. However, insurability changes do not typically affect existing permanent policies, which don't require updates to health information once the policy is in force.
Therefore,Option Bis correct.

NEW QUESTION # 163
Mike and Todd are both agents with Superior Insurance Company. Every Friday, they have lunch together at the local pub. One Friday, Mike forgets his wallet, so Todd pays both bills. Mike has a sales appointment that afternoon, where he will be signing a small term life insurance policy on a child. He decides to simply indicate that Todd is the agent of record so that Todd gets the compensation for the sale-an easy way to pay him back for lunch! What practice is Mike engaging in?
  • A. Churning.
  • B. Fronting.
  • C. Tied selling.
  • D. Misrepresentation.
Answer: B
Explanation:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)describes "fronting" as an unethical practice where an agent allows another agent to be listed as the agent of record for a sale they did not perform, often to share commissions improperly. Mike listing Todd as the agent of record for a sale he completed himself is fronting, done here to repay a personal favor. Tied selling (A) involves conditional sales, churning (C) is policy replacement for commissions, and misrepresentation (D) involves false statements to clients, none of which apply. Fronting undermines fair compensation practices, making B correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 1: Ethics and Professionalism, Section on "Unethical Practices - Fronting."

NEW QUESTION # 164
......
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