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：
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 3：
Ariana is a Vancouver restauranteur who owns a $250,000 universal life (UL) insurance policy with a cash surrender value that has grown considerably over the years. Unfortunately, her restaurant has fallen on hard times and in an effort to turn the business around, she takes out a string of business loans that she personally guaranteed. To protect her life insurance from creditors, she changes the beneficiary designation from her estate, naming her husband as a revocable beneficiary. Despite her efforts, the restaurant's profits do not improve, and she is forced to close her business and file for bankruptcy. Can her creditors seize her cash surrender value?
A. No, because her husband is a protected class beneficiary.
B. Yes, because she has money accumulated in her cash surrender value.
C. Yes, because she changed her beneficiary designation to hinder creditors.
D. No, because the creditors can only go after the restaurant's assets.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Surjit and Rajbir get married in 2010 and Surjit names Rajbir as the irrevocable beneficiary of his life insurance contract. In 2017, the couple divorces amiably and Surjit meets with his insurance representative, Ivan, to review his plans. Surjit tells Ivan that he would like to keep Rajbir as his beneficiary. What should Ivan counsel his client to do?
A. Surjit cannot make any changes to the policy without Rajbir's consent as she is the irrevocable beneficiary of his policy.
B. Surjit does not need to do anything as Rajbir is already the named beneficiary.
C. Surjit should once again designate Rajbir as the beneficiary.
D. Surjit should name a different beneficiary now that he is divorced.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 5：
Ten years ago, Anastasia purchased a $125,000 10-year term renewable life insurance policy. Her insurance need has not changed, and she is still in good health. She asks her insurance agent Raphael what she should do.
A. Renew her current policy at the same rate.
B. Renew her policy and restart the incontestability period.
C. Shop around for a better rate.
D. Renew the policy at an increased rate.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Bethenny meets with Harrison, an insurance agent, to review her life insurance needs. Bethenny is a single mother of a 3-year-old daughter named Emma. Bethenny's main concern is that Emma istaken care of financially if Bethenny were to die prematurely. Emma's father Steve suffers from chronic alcoholism and is homeless. He has not been present in Emma's day-to-day life. After careful analysis, Harrison suggests that Bethenny purchase a $250,000 20-year term insurance policy. Given Bethenny's situation, who should she name as a beneficiary on her policy?
A. Steve.
B. A trustee.
C. Her estate.
D. Emma.
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 7：
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 8：
Edna is a 62-year-old widow living in Quebec. She meets with Yolanda, her insurance agent. Ednaworked part-time her whole life as a seamstress and has no savings. Her husband Donald had been working as a greeter at the local box store until his death 2 months ago at the age of 67. Since his passing, Edna has been struggling financially. She would like to know which of the following organizations will immediately pay her a benefit?
A. She will not receive any benefit.
B. Workers' Compensation.
C. Old Age Security (OAS) allowance for surviving spouse.
D. Canada Pension Plan (CPP) survivor benefits.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 9：
Planet Source decides to implement a defined contribution pension plan (DCPP) for its 75 employees. The company's president appoints Josie, the human resources director, as the plan administrator.
Which of the following BEST describes Josie's responsibility as a plan administrator?
A. To set the benefit structure
B. To address funding shortfalls
C. To amend the pension plan
D. To manage the pension plan
正解：D
解説: (Topexam メンバーにのみ表示されます)