IFSE Institute LLQP 問題集

質問 1：
Last week, at a dinner party, Dario, an insurance agent, met Andrew, a successful businessperson with a net worth of over $10 million. Dario spent the evening following Andrew around, telling him how he could help him manage his finances. The day after the meeting, Dario sent a fruit basket to Andrew's office. Every day since, Dario has been calling and urging Andrew to meet with him and take advantage of his services and insurance products.
Which duties and obligations did Dario break?
A. Duties and obligations towards the public
B. Duties and obligations towards other representatives, firms, independent partnerships, insurers, and financial institutions
C. Duties and obligations towards the profession
D. Duties and obligations towards clients
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Pierre-Marc, aged 32, is a dentist with a rich clientele. His income is substantial. Five years ago, he purchased an "any occupation" disability insurance policy. Today he meets with Joseph, his life insurance agent, to determine whether this type of coverage is still adequate. What should Joseph tell him?
A. This type of coverage is no longer adequate. Pierre-Marc should purchase an accidental death and dismemberment rider, which would allow him to collect a lump-sum benefit if he injures his hands.
B. This type of coverage is adequate. Pierre-Marc will be entitled to disability benefits even if he can work in another profession, provided he chooses not to do so.
C. This type of coverage is no longer adequate. Pierre-Marc should purchase "own occupation" coverage, which would allow him to collect benefits even if he can work in another profession and chooses to do so.
D. This type of coverage is adequate because it is more flexible. Pierre-Marc will be entitled to disability benefits even if he can work in another profession and chooses to do so.
正解：C
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質問 3：
Eloise has critical illness coverage through her group insurance plan at work. She is 54 years old, in excellent health, and is planning to retire soon. She meets with Sonia, her insurance agent, to plan her retirement and to make sure she will still be covered in the event of critical illness. To make sure she is not a burden on her family, Eloise would also like to receive monthly benefits in the event she is placed in an assisted living facility. What should Sonia tell her?
A. That the critical illness coverage under her group plan will end when she retires and that she should consider purchasing individual coverage.
B. That her critical illness coverage will end when she retires and that she should consider purchasing individual critical illness and long-term care insurance.
C. That when she retires, she should purchase individual disability insurance, which would give herthe coverage required in the event of critical illness.
D. That the critical illness coverage under her group plan is the least expensive and that the insurer will have to give her the option of converting it into individual insurance when she retires.
正解：B
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質問 4：
Concilius has had a whole life (permanent) insurance policy for the past eight years. He decides he no longer wants this policy and stops paying the premiums. The cash value keeps the policy in effect for 28 months, after which it lapses. However, 46 months later, Concilius regrets his decision and applies to reinstate his policy. He is prepared to prove that he still meets the insurability conditions and to pay the overdue premiums plus interest, the cash value used, and the interest. Under what conditions will Concilius' policy be reinstated?
A. With a reduction in the insured amount
B. With the same initial conditions
C. With the addition of a new premium based on his current age
D. With an increase in the price of the premium
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 5：
Owen meets with his insurance agent, Rachel, to review his investments. Owen is interested in segregated funds. In particular, he wants to know more about the reset feature.
What should Rachel tell Owen about resetting his funds?
A. The reset feature can be used if the market value increases or decreases.
B. All segregated funds offer a reset feature.
C. The reset feature may be automatic.
D. There is no additional cost for a fund that provides a reset feature.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Abraham lives in Alberta. He meets with a life insurance agent to discuss the purchase of an individual extended health insurance plan. Abraham is interested in a plan that would cover him, his wife, and their two young children. Here are some of the features of the plan that most closely meets Abraham's needs:
prescription drug coverage with a $50 annual deductible and 80% co-insurance, and dental coverage with a
$100 deductible and 70% co-insurance on preventative services. However, Abraham asks the agent to present a plan with a cheaper premium. What changes would the agent have to consider in order to present a plan with a lower premium than the one described above?
A. Lower deductible on prescription drug coverage, higher deductible on preventative dental services.
B. Lower deductible and higher co-insurance on prescription drugs, lower deductible and higher co- insurance on preventative dental services.
C. Higher deductible and lower co-insurance on prescription drugs, lower deductible and lower co- insurance on preventative dental services.
D. Higher deductible and lower co-insurance on prescription drugs, higher deductible and lower co- insurance on preventative dental services.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 7：
The primary and secondary beneficiaries of Rachel and Chad's joint first-to-die permanent life insurance policy are each other and their adult children, respectively. Within a year of Rachel and Chad's divorce, Rachel unexpectedly passes away. The policy beneficiaries remained as originally designated. Whose claim will be paid by the insurer?
A. The couple's adult children, as they submitted a claim before Chad.
B. Rachel's parents, as Rachel and Chad were divorced.
C. Chad, as he was designated primary beneficiary.
D. Chad and the couple's adult children jointly, as they were all designated as beneficiaries.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 8：
Josh is an established advisor who specializes in group benefits. He recently hired Bryan as a marketing manager. Bryan will be responsible for advertising and creating a social media platform for Josh's company.
Among other things, Bryan is developing a monthly electronic newsletter, which he plans to email to potential and existing clients. However, because this is a brand new initiative, none of the would-be recipients has subscribed to the newsletter or asked to receive any such communication from Josh's company. What law should Josh and Bryan be mindful of before sending their newsletter?
A. The Canadian Anti-Spam Legislation.
B. The rules governing the National Do Not Call List.
C. The Personal Information Protection and Electronic Documents Act.
D. The Privacy Act.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 9：
Brian gives his lawyer Dave $200,000 that will be used as a down payment to purchase a condo. Brian received these funds from his mother's life insurance death benefit. The money is deposited into Dave's trust account. Unbeknownst to Brian, Dave is going through financialhardship. If Dave files for bankruptcy while Brian's funds are still in his trust account, can the bankruptcy trustee seize the funds?
A. No, because trust accounts are protected from seizure by creditors.
B. Yes, because life insurance benefits, once paid out, are seizable.
C. Yes, because the account is in Dave's name.
D. No, because the money does not belong to Dave.
正解：D
解説: (Topexam メンバーにのみ表示されます)