IFSE Institute LLQP 問題集

質問 1：
Sebastian is a 44-year-old sales representative employed at Premier Aqua. He wants to take a year off to travel and relax. He has worked for the company for 25 years and accumulated $230,000 in a deferred profit sharing plan (DPSP). He would like to know if he can use some of the funds in his DPSP to fund his sabbatical.
A. No, the funds can only be transferred to a locked-in retirement account (LIRA).
B. Yes, he can withdraw the funds if he gets permission from his employer.
C. No, the funds can only be transferred to a life income fund (LIF).
D. Yes, he can withdraw the funds if he wants to.
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Marsha and Alexis are equal partners in an advertising firm. They meet with Jose, an insurance agent, and Horacio, their lawyer, because they would like to protect themselves if one of them becomes disabled and unable to work for an extended period of time. At the end of their meeting, they agree to purchase $500,000 disability insurance policies on each other by each of them paying premiums.
What type of agreement do Marsha and Alexis have?
A. Cross-purchase agreement
B. Business loan protection disability insurance
C. Key person insurance
D. Entity purchase agreement
正解：A
解説: (Topexam メンバーにのみ表示されます)

質問 3：
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 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：
Following the death of her sister Sarah last year, Yesha, the liquidator of Sarah's estate, had been in contact with Sarah's insurance agent Monique on several occasions to claim the death benefit on Sarah's life insurance policy.
Yesterday, Yesha noticed that Sarah also had a disability insurance policy with a return of premium option which stated that a portion of the premiums can be reimbursed upon her death. Yesha contacted Monique again and asked her for more details about the disability policy and return of premium option but Monique replied that she could not help her as her firm had destroyed Sarah's files shortly after paying out the death benefit.
Did Sarah's firm act appropriately?
A. No, because the file has to be kept for 7 years.
B. Yes, because the life insurance company will still have a copy of the contract.
C. Yes, because the death benefit was paid.
D. No, because the file has to be kept for 5 years.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Oliver, an insurance agent, meets with Roman and Julie. They are a married couple with a five-year-old son William. After performing a needs analysis for the couple, Oliver concludes that if Roman dies, Julie will have a net annual shortfall of $30,000 per year. Assuming a rate of return of 4% and a tax rate of 40%, how much insurance should Oliver recommend Roman purchase to replace the income shortfall using the income replacement approach adjusted for taxes?
A. $1,875,000
B. $1,250,000
C. $390,000
D. $750,000
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 7：
Rowan works for a construction company that employs 40 employees. The company is newly established, and the owners have yet to implement a group insurance policy. Rowan falls off the side of a building and breaks his collar bone. The doctor informs him that he will be unable to work for five months.
Who will pay him disability benefits while he is recuperating?
A. Canada Pension Plan.
B. Workers' Compensation.
C. His employer.
D. Employment Insurance.
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 8：
Arianna has been an insurance agent with Ideal Life for over 15 years, always working hard to grow her client base and keep her existing clients happy. Last week, she prepared an elaborate insurance plan for Raphael, a potential new client. But when they meet, Raphael tells her he wants a second opinion. Arianna tells him that she cannot allow him to show or discuss details of her work with a potential competitor. She explains it's wrong for another agent to benefit from her work and knowledge.
Which of the following standards of conduct did Arianna contravene?
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：B
解説: (Topexam メンバーにのみ表示されます)

質問 9：
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)