IFSE Institute LLQP 問題集

質問 1：
Last year, Ezekiel purchased a $100,000 life insurance policy and named his wife Jolene as an irrevocable beneficiary of the policy. Last week, Ezekiel returned home early from a business trip and decided to surprise his wife instead of calling ahead. He arrived at midnight and not wanting to wake her, entered the house from the back door and left the lights off. Not expecting the intruder to be her husband, Jolene stabbed him in the heart with a kitchen knife. She quickly realized her mistake and called 911. Unfortunately, Ezekiel died in the hospital from his wounds. The police deemed Ezekiel's death as accidental, and no charges were filed. Will the insurer pay the death benefit?
A. Yes, because Ezekiel's death was accidental, Jolene did not intend to kill him.
B. No, because he died within the first 2 years of purchasing the policy.
C. No, because Jolene caused his death.
D. Yes, because Jolene is the designated irrevocable beneficiary.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Jonas recently graduated with his engineering degree and is joining the Alberta Engineering Association. He is informed that the association offers a group plan to all members. Jonas wants to join the plan but wishes to know who will pay the premiums for the coverage.
Which of the following answers is CORRECT?
A. The premiums are split between the members and the association.
B. The Association will pay 100% of the premiums.
C. Initially, the members must pay 100% of the premiums but after 3 years in the plan, the premiums are split with the association.
D. The members must pay 100% of the premiums.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 3：
Janice meets with Patrick, an insurance agent, to review her investment needs. Patrick suggests that she invest in segregated funds. Janice is not familiar with these types of funds.
What information can Patrick provide to Janice to help her understand the advantages of segregated funds?
A. They guarantee protection from creditors.
B. They can be withdrawn anytime.
C. They require medical underwriting.
D. They are fully protected by Assuris.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Chloe is a newly licensed financial security adviser. She is diligently learning about the profession and wants to do her job properly. She wonders when she is required to renew her certificate.
Which of the following answers is CORRECT?
A. Within 45 days following its expiry date.
B. Before it expires.
C. If and when her personal situation changes.
D. Within 15 days following its expiry date.
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 5：
Sabrina is an insurance representative with an insurance of persons certificate issued by the Autorite des marches financiers (AMF). Her client, Stephanie, is a Quebec resident who accepted a job with Service Canada, in Ottawa, and purchased a condo there. Stephanie calls Sabrina to explain that her new job requires her to work in Ottawa three days per week, but she is still a Quebec resident; she spends four days a week with her family in Granby, Quebec. Stephanie asks Sabrina if she can buy mortgage insurance from her to help cover the mortgage on her new condo.
What should Sabrina answer her?
A. No, because Stephanie is a federal government employee.
B. No, because Stephanie's condo is outside of the province of Quebec.
C. Yes, they can complete and sign the application in Ottawa because Stephanie is a Quebec resident.
D. Yes, but they would have to complete and sign the application in the province of Quebec.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Isaac and Natasha, Quebec residents, were married 18 years ago. At the time, they visited a notary to get married under the "separation as to property" matrimonial regime and had indicated their wish to waive the application of the division of the patrimony by agreement. After experiencing a series of personal crises, the couple is now divorcing.
Which of the following assets, if any, will they have to separate when they divorce?
A. They will not need to separate any assets.
B. The $40,000 accumulated in Isaac's whole life insurance policy.
C. Isaac's dental practice, started 10 years ago.
D. Natasha's cottage, purchased with Isaac 15 years ago.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 7：
Kyra is the owner and president of Borealis Fit, a martial arts studio with 15 employees. The centre opened five years ago and has done well. Kyra was never able to offer her employees any benefits until now. Kyra meets with Monica, an insurance agent, to implement a group insurance plan for the employees.
Which method of calculating rates will the insurer use to quote the group premiums?
A. Experience rating.
B. Blended rating.
C. Credibility rating.
D. Manual rating.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 8：
Li Jun, 50, applies for a $250,000 critical illness (CI) insurance policy with his insurance agent Ming. On the application, Li Jun states that he must take pills daily to manage his hypertension. Aside from this, his health is good. Given his age and hypertension issue, he is worried that the insurer may refuse his application.
What does Ming CORRECTLY advise him?
A. The policy will likely be issued with a lower benefit.
B. The policy will likely be issued with an exclusion.
C. The policy will likely be denied.
D. The policy will likely be issued with a premium rating.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 9：
Maxine meets with Toshiko, an insurance agent for United Life, to purchase a $10 million universal life insurance policy. Once United Life reviews Maxine's file, they agree to insure her for $3 million. United Life then contacts Extra Life Company, who agrees to insure Maxine for the additional $7 million. Toshiko asks his supervisor Bob how the death benefit will be paid to Maxine's beneficiary when she dies.
A. United Life and Extra Life will each directly pay the beneficiary.
B. United will issue a cheque for $10 million.
C. The full death benefit will be paid by Assuris.
D. Extra Life will issue a cheque for $10 million.
正解：A
解説: (Topexam メンバーにのみ表示されます)