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[General] LLQP Deutsch Prüfungsfragen, LLQP Probesfragen

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【General】 LLQP Deutsch Prüfungsfragen, LLQP Probesfragen

Posted at yesterday 13:56      View：17 | Replies：0        Print      Only Author   [Copy Link] 1#
P.S. Kostenlose und neue LLQP Prüfungsfragen sind auf Google Drive freigegeben von ZertPruefung verfügbar: https://drive.google.com/open?id=1xhUQ4gswnts5_7Md15ufZkj00mrXcFVq
ZertPruefung hilft Ihnen, IFSE Institute LLQP Prüfungsfragen und Antworten in einer echten Umgebung zu machen. Wenn Sie Einsteiger sind und Ihre beruflichen Fähigkeiten verbessern wollen, werden die Fragenkataloge zur IFSE Institute LLQP Zertifizierungsprüfung von ZertPruefung Ihnen helfen, Ihren Traum Schritt für Schritt zu verwirklichen. Wir werden alle Ihren Fragen bezüglich der Prüfung lösen. Innerhalb eines Jahres bieten wir Ihnen kostenlosen Update-Service. Bitte schenken Sie unserer Website mehr Aufmerksamkeit.
IFSE Institute LLQP Prüfungsplan:
ThemaEinzelheiten
Thema 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.
Thema 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.
Thema 3
  • 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.
Thema 4
  • 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.

LLQP Probesfragen - LLQP Quizfragen Und AntwortenJede Version der IFSE Institute LLQP Prüfungsunterlagen von uns hat ihre eigene Überlegenheit. PDF Version hat keine Beschränkung für Anlage, deshalb können Sie irgendwo die Unterlagen lesen. Wenn Sie Internet benutzen können, die Online Test Engine der IFSE Institute LLQP können Sie sowohl mit Windows, Mac als auch Android, iOS benutzen. Mit Simulations-Software können Sie die Prüfungsumwelt der IFSE Institute LLQP erfahren und bessere Kenntnisse darüber erwerben. Übrigens, Sie dürfen die Prüfungssoftware irgendwie viele Male installieren.
IFSE Institute Life License Qualification Program (LLQP) LLQP Prüfungsfragen mit Lösungen (Q26-Q31):26. Frage
Gaston's wife died last month, leaving him a death benefit of $100,000 from her life insurance policy. Gaston, who is 60, wants to invest these funds in a safe investment that will mature when he retires at age 65 and thus provide him with added income. However, he wants to be able to easily withdraw funds at any time, if necessary. He would also like to be able to name his nephew as beneficiary.
What type of investment would best suit Gaston?
  • A. A prescribed life annuity.
  • B. An equity segregated fund.
  • C. A fixed-income segregated fund.
  • D. An accumulation annuity.
Antwort: C
Begründung:
According to the LLQP Segregated Funds and Annuities curriculum, the suitability of an investment must reflect the client's risk tolerance, time horizon, liquidity needs, and estate planning objectives. Gaston's situation presents several clear requirements that narrow the choice considerably.
First, Gaston wants a safe investment with a relatively short, defined time horizon of five years (from age 60 to 65). This rules out equity-based investments, as they involve higher volatility and market risk, making Option D (equity segregated fund) unsuitable. Capital preservation is clearly a priority.
Second, Gaston wants the investment to mature at retirement, while still allowing him to withdraw funds easily at any time if needed. This is a crucial factor. Accumulation annuities generally restrict access to capital and may impose surrender charges, making them inappropriate for someone who wants flexible access to funds. Similarly, a prescribed life annuity is an income product designed to pay income immediately and does not allow withdrawals or access to capital once purchased, eliminating Option A.
A fixed-income segregated fund is specifically designed to meet needs like Gaston's. As outlined in the LLQP study guide, fixed-income segregated funds invest primarily in bonds or similar low-risk assets, offering stability and reduced volatility. They also allow redemptions (withdrawals) at any time, subject to potential market value adjustments or fees, providing the liquidity Gaston wants.
Additionally, segregated funds allow the contract owner to name a beneficiary, including someone other than a spouse, such as Gaston's nephew. The death benefit guarantee further ensures that a minimum amount will pass directly to the beneficiary, often bypassing probate-an important estate planning benefit highlighted in the LLQP curriculum.
Therefore, based on safety, liquidity, time horizon, and beneficiary designation, the investment that best suits Gaston's needs is a fixed-income segregated fund, making Option B the correct and fully verified answer.

27. Frage
Barry, a life insurance agent, is meeting his client Diane who came to Canada 26 years ago. Diane is turning
60 years old and is considering purchasing a non-registered life annuity to supplement her retirement income.
Barry presented the quote to her and it was quickly accepted. During the application process, he recorded Diane's contact information, used her Social Insurance card to ascertain her identity, and collected a cheque of $120,000 from a joint account. The names written on the cheque were Diane and Geoffrey. Diane explained that this was a joint account with her brother. What should Barry do to comply with FINTRAC's guidelines regarding ascertaining identity?
  • A. Complete a third-party form because it involves her brother as well.
  • B. Report this transaction to FINTRAC because it exceeds $10,000.
  • C. Nothing, because there is no suspicious activity involved.
  • D. Use another ID to ascertain her identity, because the Social Insurance card is prohibited.
Antwort: A
Begründung:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)references FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) guidelines, requiring agents to identify third parties when funds come from a joint account not solely owned by the client. Diane's $120,000 cheque from a joint account with Geoffrey triggers the third-party determination rule, necessitating a third-party form (A).
Reporting to FINTRAC (B) applies to cash transactions over $10,000, not cheques here. The Social Insurance card is acceptable ID, so C is incorrect. Doing nothing (D) violates FINTRAC compliance. A is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 4: Regulatory Environment, Section on "FINTRAC Guidelines - Third-Party Determination."

28. Frage
Fiona is the owner and annuitant of an Individual Variable Insurance Contract (IVIC) valued at $100,000.
When she applied for the contract nine years ago, she named her brother, Gerald, as irrevocable beneficiary and her niece, Ivy, as contingent beneficiary. Fiona passed away yesterday, while Gerald had already died a couple of years ago. Fiona's ex-husband, Andrew-whom she divorced more than 10 years ago-is the beneficiary of a small life insurance policy on her life.
Who can claim the proceeds of the IVIC?
  • A. Fiona's estate, because Fiona failed to update the beneficiary designations after Gerald's death.
  • B. Ivy, because she is the contingent beneficiary on the contract.
  • C. Gerald's estate, because he was the irrevocable beneficiary.
  • D. Andrew, because Fiona has a legal financial duty to her former spouse.
Antwort: B
Begründung:
Under the LLQP Segregated Funds and Annuities curriculum, beneficiary designations in insurance contracts-such as IVICs (segregated fund contracts)-follow strict contractual and legal rules. The key elements in this scenario are the irrevocable beneficiary designation, the presence of a contingent beneficiary, and the order of entitlement upon death.
Fiona named her brother Gerald as an irrevocable beneficiary. An irrevocable beneficiary has strong rights while alive, including restrictions on the policyholder's ability to make changes without consent. However, those rights end upon the beneficiary's death. Once Gerald died, his irrevocable beneficiary status ceased to exist. Importantly, irrevocable beneficiary rights do not pass to the beneficiary's estate unless the contract specifically states otherwise, which is not indicated here. Therefore, Option A is incorrect.
Fiona also named her niece Ivy as contingent beneficiary. According to LLQP principles, a contingent beneficiary is entitled to the proceeds if the primary beneficiary predeceases the contract owner. That is exactly what occurred: Gerald died before Fiona. As a result, upon Fiona's death, the contract proceeds are payable directly to Ivy. This payment bypasses Fiona's estate and is governed solely by the beneficiary designation in the IVIC.
Option C is incorrect because divorce does not create an automatic entitlement to insurance proceeds. Andrew' s status as beneficiary on a separate life insurance policy has no legal impact on the IVIC. There is no automatic financial duty that would override a valid beneficiary designation in an insurance contract.
Option D is also incorrect. The existence of a valid contingent beneficiary means the proceeds do not revert to the estate, even though Fiona did not update the designation after Gerald's death. The LLQP study guide clearly states that proceeds go to the contingent beneficiary when the primary beneficiary has predeceased the policyholder.
Therefore, in accordance with LLQP Segregated Funds and Annuities rules, the IVIC proceeds are payable to Ivy, making Option B the correct and fully verified answer.

29. Frage
Genevieve and Martin, a couple in their 40s, meet with Melissa, their insurance agent, to help them plan for their retirement. Melissa tells them that they would benefit from opening a spousal registered retirement savings plan (RRSP) given their financial situation and discrepancy in theirincomes. The couple would like to know the benefits of opening a spousal RRSP.
  • A. Contributions to a spousal plan are based on the contribution room of the recipient and reduce his or her RRSP contribution room.
  • B. Contributions to a spousal plan can be made until the end of the year in which the older spouse turns 71.
  • C. A spousal RRSP is a way to move income from one spouse, who has a higher tax rate, to the other, who has a lower tax rate, during retirement.
  • D. Having a spousal RRSP can extend the tax benefit of contributions past age 71 if the contributing spouse is younger.
Antwort: C
Begründung:
A spousal RRSP is beneficial for couples with differing income levels as it allows for income splitting during retirement. This is advantageous because it enables the higher-income spouse to contribute to the RRSP of the lower-income spouse. When the funds are eventually withdrawn during retirement, they are taxed at the lower- income spouse's rate, potentially reducing the couple's overall tax burden. This aligns with the LLQP guideline on income splitting as a tax minimization strategy.
Option B is incorrect because the contributions to a spousal RRSP reduce the contribution room of the contributing spouse, not the recipient. Option C is technically accurate but does not directly address the primary advantage of a spousal RRSP in terms of tax planning, and Option D is correct regarding extending tax benefits but does not directly highlight the immediate benefit of income splitting for the couple.

30. Frage
Paola, an employee at Horizon Pharmaceuticals, was recently diagnosed with depression. She is unable to work and is receiving tax-free disability insurance benefits due to her condition. Paola is deeply indebted, and her creditors have been garnishing a portion of her pay for the last year. She is worried about her creditors also garnishing her disability benefit.
Can her disability benefits be seized by her creditors?
  • A. Yes, but creditors can only seize up to 50% of her benefit.
  • B. No, because she is disabled.
  • C. Yes, disability insurance benefits are seizable.
  • D. No, because the benefits are tax-free.
Antwort: B
Begründung:
In Quebec, disability insurance benefits that replace income due to a disability are generally exempt from seizure by creditors. This protection exists to ensure that individuals who are unable to work due to disability can still cover their basic needs without creditor interference. The tax-free status of the benefits does not directly impact their seizure exemption. Therefore, Paola's disability insurance benefits are protected from garnishment due to her disability, as stipulated by Quebec's insurance and creditor protection laws.

31. Frage
......
Leute aus verschiedenen Bereichen bemühen sich um ihre Zukunft. Bemühen Sie sich auch um Erhöhung Ihrer Fähigkeit? Haben Sie das IFSE Institute LLQP Zertifikat? Wie viel wissen Sie über IFSE Institute LLQP Zertifizierungsprüfung? Was sollen Sie machen, wenn Sie nicht genug Kenntnisse zur LLQP Prüfung beherrschen? Machen Sie sich keine Sorge. ZertPruefung kann Ihnen Hilfe bieten.
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