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LLQP基礎問題集、LLQP勉強資料

IFSE InstituteのLLQPの認証試験は現在IT業界でもっとも人気があって、その試験に合格すれば君の生活と仕事にいいです。 GoShikenはIFSE InstituteのLLQP「Life License Qualification Program (LLQP)」の認証試験の合格率を高めるのウエブサイトで、GoShiken中のIT業界の専門家が研究を通じてIFSE InstituteのLLQPの認証試験について問題集を研究し続けています。100%合格率は彼らの研究成果でございます。GoShikenを選られば、成功しましょう。

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

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 2

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 3

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 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。

>> LLQP基礎問題集 <<

IFSE Institute LLQP勉強資料 & LLQP模試エンジン

最新のLLQP準備資料は、LLQP試験に最短時間で合格して、最も重要なテストの難易度をマスターし、学習効率を向上させたい場合に役立ちます。また、一生懸命勉強して、資格試験に合格し、LLQP証明書を取得することは、もはや夢ではありません。これらの条件で、あなたはインタビューから目立ち、あなたが待っていた仕事を得ることができます。ただし、リアルタイムの雇用プロセスでは、ユーザーも自分自身を豊かにすることを学び続ける必要があります。 LLQPの練習教材を学ぶには、勝利が近づいています。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q74-Q79):

質問 # 74
Six years ago, when Kacey was working as an active firefighter, she purchased a $200,000 30-year term life insurance policy. At the time, the insurance company rated her policy. Recently, she changed roles and now works for the fire department's public relations office, answering media calls and filling out paperwork. She meets with her insurance agent, Bernice, to ask if the insurer would consider reducing her premiums.

A. The premiums can be reduced only if the policy has been in force for more than two years.
B. The premiums cannot be increased once the policy is issued.
C. Her premiums can be reduced since she is no longer a firefighter.
D. The insurer cannot reduce the premium, but Kacey can apply for a new policy at a lower premium.

正解：D

解説：
When a term life insurance policy is issued with a specific rating based on risk factors, such as Kacey's former occupation as a firefighter, the premiums are generally fixed and non-negotiable post-issuance.
However, Kacey can apply for a new policy, which would consider her current lower-risk occupation and potentially offer lower premiums. She would need to undergo underwriting again. Thus,Option Bis correct, as the existing policy's premiums cannot be adjusted retroactively to account for her new role.

質問 # 75
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 permanent joint first-to-die policy on Aari and Jonila.
B. A permanent joint last-to-die policy on Aari and Jonila.
C. A term joint last-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 # 76
Josh is meeting with William, his financial advisor, to notify him of the death of his spouse, Linda, for whom he is the beneficiary. Josh is asking William what requirements are necessary for proof of claim on their life insurance policy. Which of the following documents/information are required by Josh to ensure that a proper claim is approved by the insurance company?

A. (i) and (ii): Proof of Age and Place of Death.
B. (i), (iii), and (v): Proof of Age, Claim Form, and Coroner's Report.
C. (iv) only: Death Certificate.
D. (i), (iii), and (iv): Proof of Age, Claim Form, and Death Certificate.

正解：D

解説：
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)outlines that to process a life insurance claim, insurers typically require: (1) a completed claim form, (2) proof of death (usually a death certificate), and (3) proof of the insured's age (e.g., birth certificate) to verify policy terms. Here, Josh needs: (i) Proof of Age to confirm Linda's identity and policy details; (iii) Claim Form as the formal submission; and (iv) Death Certificate as proof of death. Place of Death (ii) is not a standard requirement unless specified, and a Coroner' s Report (v) is only needed in cases of unusual circumstances (not indicated here). Thus, D-(i), (iii), and (iv)
-is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Claims Process."

質問 # 77
(Harry, aged 60, recently sold his business and plans to invest $100,000 in segregated equity fund contracts. He wants to minimize costs but has a family history of early death.
What maturity and death benefit guarantees would be most appropriate?)

A. 75%/75%
B. 100%/100%
C. 75%/100%
D. 100%/75%

正解：C

解説：
Given Harry'scost sensitivityandfamily health history, the75% maturity and 100% death benefit combination offerslower costscompared to a full 100%/100% guarantee while still ensuring full death benefit protection for his heirs.
Exact Extract:
"Clients concerned about cost but needing strong death benefit protection often select 75% maturity guarantees combined with 100% death benefit guarantees." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.1.1 Guarantees)

質問 # 78
Nine months ago, Osvaldo was instructed by his insurance agent, Jane, to write a cheque to renew his life insurance. Jane put the cheque in her wallet. She lost her wallet the very same day and completely forgot about Osvaldo's payment. Some time later, Osvaldo died in a tragic car accident. His family made a claim for the death benefit, but was denied because the policy had lapsed. Who will have to compensate Osvaldo's family for the loss of death benefit?

A. OmbudService for Life & Health Insurance.
B. Jane, using personal assets.
C. Jane's errors and omissions coverage.
D. The Canadian Council of Insurance Regulators.

正解：C

解説：
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)explains that agents must carry Errors and Omissions (E&O) insurance to cover financial losses due to negligence or mistakes. Jane's failure to process Osvaldo's payment, leading to a lapsed policy, is negligence. E&Ocoverage compensates the family for the lost benefit, not Jane's personal assets (A), as it's designed for such errors. The OmbudService (C) mediates disputes but doesn't pay claims, and the Canadian Council of Insurance Regulators (D) coordinates policy, not compensation. Thus, B is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 1: Ethics and Professionalism, Section on "Errors and Omissions Insurance."

質問 # 79
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