IFSE Institute LLQP 問題集

質問 1：
Francis owns a $250,000 insurance policy with an accidental death and dismemberment (AD&D) rider.
Francis calls his insurance agent Andrew to inform him that he permanently lost the use of his right hand. He explains to Andrew that his brother shot him when he broke into his brother's house to recover a gold watch that was rightfully his. Francis wants to know how much he will receive from his AD&D rider.
A. Francis will receive a benefit of $250,000.
B. Francis will not receive any benefit.
C. Francis will receive a benefit of $187,500.
D. Francis will receive a benefit of $165,000.
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Six years ago, Diu purchased an immediate life annuity with a 10-year guarantee period. The annuity paid her a monthly benefit of $1,800. She named her son Shan as the beneficiary of the policy and her niece Haru as a contingent beneficiary. Shan died four months ago in a motorcycle accident and between grieving and planning the funeral, Diu forgot to update her beneficiary designation. Last week, Diu died of a heart attack.
Who would receive the annuity benefits?
A. Shan's widow
B. Shan's estate
C. Haru
D. Diu's estate
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 3：
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. Having a spousal RRSP can extend the tax benefit of contributions past age 71 if the contributing spouse is younger.
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. Contributions to a spousal plan can be made until the end of the year in which the older spouse turns 71.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Josephine visits her dentist in downtown Victoria, BC, to have a cavity filled. The procedure costs her $550 but the maximum fee for a standard filling, according to the provincial dental schedule, is $400. Josephine works for a company that offers employees group dental coverage with a yearly maximum of $1,000 and an
80% co-insurance factor.
How much will Josephine receive from the insurer for her procedure?
A. $400
B. $0
C. $320
D. $440
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 5：
Anvi owns individual disability insurance that she purchased 5 years ago. At the time of application, she was a semi-professional boxer. Gamma Insurance Inc. offered her the disability policy with an exclusion stating that if she became disabled while boxing, the benefit would not be paid.
This week, while reviewing her insurance needs with Tyron, her insurance agent, she mentions that she retired from boxing and wants to know how, or if, this will affect her policy.
What should Tyron tell her?
A. The exclusion may be removed, but the premiums will remain the same.
B. The exclusion may be removed, and the benefit will increase.
C. The exclusion may be removed, and the premiums will decrease.
D. The policy will be unaffected.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Jessica is 61 years old and has $460,000 invested in a registered retirement savings plan (RRSP). She is retiring due to health issues that are expected to reduce her life expectancy and will prevent her from working until she is 65. She would like to transfer her RRSP funds into an annuity that will pay her monthly benefits for the rest of her life.
Which of the following annuities is the BEST option for her to purchase?
A. Life annuity.
B. Term annuity to age 90.
C. Life annuity with a 20-year guaranteed period.
D. Impaired life annuity.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 7：
Luisa owns a balanced segregated fund currently valued at $50,000. Her mother Linda is the current revocable beneficiary of the policy. However, Luisa has been dating Benjamin for a year and would like to name him as the new beneficiary of her policy.
Which of the following statements about modifying the beneficiary designation is CORRECT?
A. Luisa can modify the designation anytime.
B. The change will take effect on the date that the insurer receives the change of beneficiary form.
C. Luisa can call the insurer's head office to notify them of the change.
D. Since Linda is Luisa's named beneficiary, she would need to consent to the change.
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 8：
Ae-Cha starts working for the manufacturer, Premier Vibe Inc., a company that offers its employees group insurance with Sprout Life Insurance. Ae-Cha meets with Devon, the group insurance representative, and learns that her group plan includes $75,000 of life insurance coverage. Ae-Cha would like to know who designates the beneficiary on the life insurance.
A. Sprout Life
B. Premier Vibe Inc.
C. Ae-Cha
D. Devon
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 9：
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 he receives his diagnosis.
B. As soon as his treatment finishes.
C. As soon as his waiting period is over.
D. Within 30 days of receiving his diagnosis.
正解：A
解説: (Topexam メンバーにのみ表示されます)