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IFSE Institute LLQP最新対策問題、LLQP模擬解説集

このラインのプロのモデル企業として、LLQPトレーニング資料の成功は予見できる結果になります。一部の厳選された顧客でさえ、彼らの高品質と正確さの実践をやめることはできません。 LLQPのexma質問の質には非妥協的であり、あなたは彼らの習熟度を厳しく完全に確信することができます。長年の訂正と修正を受けて、LLQP試験問題はすでに完璧になっています。 LLQPトレーニングガイドの合格率は99％〜100％です。

IFSE Institute LLQP 認定試験の出題範囲：

トピック
出題範囲

トピック 1

倫理と専門的実務: 試験のこの部分は、生命保険専門家の法的および倫理的責任に焦点を当てています。コモンローの州および準州における生命保険の法的枠組みの概要を示し、専門性を維持することの重要性を強調しています。

トピック 2

分離型ファンドと年金: 投資アドバイザーとファイナンシャルプランナーを対象としたこのセクションでは、退職と財務計画に不可欠な貯蓄と投資戦略に関する理解を評価します。

トピック 3

生命保険: このセクションでは、死亡による経済的影響を理解するための、ファイナンシャルアドバイザーや生命保険代理店などの保険専門家の専門知識を評価します。生命保険がこうした経済的ニーズにどのように対処するかを説明し、さまざまな生命保険商品とその特徴や利点を紹介します。

トピック 4

傷害および疾病保険: 個人および団体の健康保険を提供する保険専門家を対象としたこのセクションでは、重篤な病気や怪我の場合の経済的保護の重要性を強調しています。

>> IFSE Institute LLQP最新対策問題 <<

更新するIFSE Institute LLQP｜最新のLLQP最新対策問題試験｜試験の準備方法Life License Qualification Program (LLQP)模擬解説集

Tech4Examの IFSE InstituteのLLQP試験トレーニング資料を選ぶなら、君がIFSE InstituteのLLQP認定試験に合格するのを保証します。一人あたりは自分の選択によって、成功する可能性があります。Tech4Examを選ぶのは成功に導く鍵を選ぶのに等しいです。長年の努力を通じて、Tech4ExamのIFSE InstituteのLLQP認定試験の合格率が１００パーセントになっていました。Tech4Examを選ぶのは、成功を選ぶのに等しいと言えます。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q202-Q207):

質問 # 202
Gold, a financial security advisor, recently met with a wealthy client who needed tax advice. The client also wanted to draft a will and a mandate in case of incapacity. Eager to meet his client's needs and make recommendations, he did not think it necessary to propose a meeting with the firm's tax expert and notary.
Towards whom has Gold breached his duties and obligations?

A. The profession
B. The client
C. Other representatives, firms, independent partnerships, insurers, and financial institutions
D. The public

正解：B

解説：
Comprehensive and Detailed In-Depth Explanation: Gold's role as a financial security advisor, per the Distribution Act (Section 16), requires him to act competently and in the client's best interest. Tax advice, wills, and mandates in case of incapacity (Civil Code, Articles 2166-2174) often exceed an advisor's expertise, necessitating referral to specialists like tax experts and notaries. By not proposing such collaboration, Gold risks providing incomplete or inaccurate advice, breaching his duty of care to the client (option B). Option A (the public) is too broad, as no public harm is evident. Option C (other professionals) is unaffected, as no direct duty to them is breached. Option D (the profession) could apply indirectly via reputational harm, but theprimary breach is to the client. The Ethics and Professional Practice manual mandates advisors to recognize their limits and refer clients appropriately.
References: Distribution Act, Section 16; Civil Code of Quebec, Articles 2166-2174; Ethics and Professional Practice (Civil Law) Manual, Section on Scope of Practice.

質問 # 203
Three years ago, Douglas purchased a whole life insurance policy with numerous supplementary benefits and riders. Today, he meets with his doctor who informs him that he has late-stage colon cancer and has only a few months to live. Even with surgery, his chances of survival are low. Douglas calls his insurance agent, Penny, to ask her what he should do to obtain a benefit immediately.

A. Policy withdrawal.
B. Dread disease benefit.
C. Terminal illness benefit.
D. Policy loan.

正解：C

解説：
TheTerminal Illness Benefit(also known as an accelerated death benefit) allows a policyholder diagnosed with a terminal illness to receive a portion of the policy's death benefit while still alive. This benefit is designed specifically for situations like Douglas's, where he has a limited life expectancy and needs immediate funds.
While the Dread Disease Benefit (Option A) covers specific critical illnesses, it is generally not as expansive as the terminal illness benefit, whichdirectly applies to Douglas's prognosis. Options C and D involve accessing cash values or loans, which are not immediate death benefit payouts.

質問 # 204
Aari and Jonila are a married couple in their late sixties. They both enjoy a comfortable retirement. Both receive regular payments from their pension plans, Old Age Security (OAS) and Canada Pension Plan (CPP).
They own a house and a cottage that are both mortgage-free. They also have over $500,000 in savings and investments. They know that if one of them dies, the surviving spouse will be financially comfortable. The couple has two grown children to whom they would like to leave all their assets when they die. The couple informs Herbert, their insurance agent, that they want to make sure when they die that their children have the funds needed to pay the taxes on the assets that they will bequeath them.
Which life insurance policy would be most suited to meet the couple's needs?

A. A term joint last-to-die policy on Aari and Jonila.
B. A permanent joint last-to-die policy on Aari and Jonila.
C. A permanent joint first-to-die policy on Aari and Jonila.
D. A term joint first-to-die policy on Aari and Jonila.

正解：B

解説：
AJoint Last-to-Die policyis designed to pay out upon the death of the second insured, which is beneficial for covering estate taxes. This structure aligns with Aari and Jonila's goal to provide funds for their children to pay taxes on inherited assets. Permanent coverage ensures the policy remains in force until both spouses have passed away, which supports long-term estate planning needs. First-to-die policies would pay out upon the death of the first insured, which would not align with their objective to have the policy available for estate settlement at the second death.Therefore,Option Ais most suitable.

質問 # 205
Denise, aged 52, is a nurse in a facility for seniors who can no longer live independently. She earns $45,000 a year, with a marginal tax rate of 38%. She has very little savings and is aware that, if she became unable to live independently herself, she could not afford the $4,500 a month it costs to live in a facility such as the one she works at. However, Denise recently learned that she could purchase affordable long-term care insurance.
Taking the underwriting requirements into account, how much coverage should she take out?

A. $2,325 per month.
B. $2,250 per month.
C. $4,500 per month.
D. $1,395 per month.

正解：C

解説：
Comprehensive and Detailed Explanation:
Long-term care (LTC) insurance covers costs like assisted living facilities. Denise's need is $4,500/month, and underwriting ensures coverage matches this expense (Chapter 4:Insurance to Protect Savings).
Net income: $45,000 × (1 - 0.38) = $27,900/year or $2,325/month.
Option A: Correct; $4,500 matches her stated need.
Option B: Insufficient; $2,325 is her net income, not care cost.
Option C: Arbitrary; doesn't meet $4,500.
Option D: Insufficient; far below need.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 4:Insurance to Protect Savings.

質問 # 206
Kadiha invested $10,000 in a balanced fund 10 years ago, which she put into a non-registered account. At the time, her insurance agent sold her the fund with a 75% maturity and death benefit guarantee. Today, when the fund expires, the market value is $5,000.
How much will Kadiha receive, and how will her funds be treated for tax purposes?

A. $7,500, of which $2,500 will be taxed as interest, dividend, and capital gain.
B. $7,500, of which $2,500 will be taxed as capital gain.
C. $7,500, tax free.
D. $7,500, of which $2,500 will be taxed as interest income.

正解：C

解説：
Kadiha's investment in a segregated fund with a 75% maturity guarantee means that upon maturity, she is guaranteed to receive 75% of her original investment, which would be $7,500 (75% of $10,000). The payment is considered part of the maturity guarantee under segregated fund contracts, and the difference paid out by the insurer to meet the guarantee ($2,500 in this case) is not subject to capital gains or interest income tax as it' s part of the guaranteed benefit. According to LLQP guidelines, segregated funds with such guarantees only tax the difference as capital gains if the payout exceeds the original investment, which is not applicable here.

質問 # 207
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LLQP模擬解説集: https://www.tech4exam.com/LLQP-pass-shiken.html