VALID LLQP TEST DISCOUNT, PDF DEMO LLQP DOWNLOAD

Valid LLQP Test Discount, Pdf Demo LLQP Download

Valid LLQP Test Discount, Pdf Demo LLQP Download

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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q79-Q84):

NEW QUESTION # 79
Ontario residents, Juan and Maria, are a married couple approaching retirement. They have askedtheir representative Carlow to review the details of Maria's defined benefit plan (DBPP).
Which of the following statements about Maria's pension is CORRECT?

  • A. Juan would be entitled to receive at least 50% of Maria's pension upon Maria's death.
  • B. With Juan's consent, Maria can choose to reduce the survivor benefit to 25% of her normal pension amount.
  • C. Maria would be entitled to an increased benefit if Juan waived his survivor benefit.
  • D. Juan will be entitled to the survivor benefit even if they are separated at the time of Maria's death.

Answer: A

Explanation:
In Ontario, married members of a defined benefit pension plan (DBPP) are typically required to provide at least a 50% survivor benefit to their spouse upon their death unless the spouse waives this right. LLQP materials covering pension plans indicate that this spousal protection is standard for defined benefit plans, and Maria's pension would provide at least 50% to Juan as the surviving spouse.
Options like reducing the survivor benefit below 50% are generally not permitted under Ontario pension law, and a waiver must be in place for any changes.


NEW QUESTION # 80
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 $187,500.
  • B. Francis will receive a benefit of $250,000.
  • C. Francis will receive a benefit of $165,000.
  • D. Francis will not receive any benefit.

Answer: D

Explanation:
Accidental Death and Dismemberment (AD&D) riders typically exclude coverage if the injury ordeath occurs while engaging in criminal activities or illegal acts. Since Francis was injured while breaking into his brother' s house, his actions are considered illegal, and this would void any claim under the AD&D rider. As a result, Francis will not receive any benefitdue to the circumstances surrounding the injury.


NEW QUESTION # 81
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. Dread disease benefit.
  • B. Terminal illness benefit.
  • C. Policy withdrawal.
  • D. Policy loan.

Answer: B

Explanation:
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, which directly applies to Douglas's prognosis. Options C and D involve accessing cash values or loans, which are not immediate death benefit payouts.


NEW QUESTION # 82
Paola, an employee at Horizon Pharmaceuticals, was recently diagnosed with depression. She is unable to work and is receiving tax-free disability insurance benefits due to her condition. Paola is deeply indebted, and her creditors have been garnishing a portion of her pay for the last year. She is worried about her creditors also garnishing her disability benefit.
Can her disability benefits be seized by her creditors?

  • A. Yes, but creditors can only seize up to 50% of her benefit.
  • B. No, because the benefits are tax-free.
  • C. Yes, disability insurance benefits are seizable.
  • D. No, because she is disabled.

Answer: D

Explanation:
In Quebec, disability insurance benefits that replace income due to a disability are generally exempt from seizure by creditors. This protection exists to ensure that individuals who are unable to work due to disability can still cover their basic needs without creditor interference. The tax-free status of the benefits does not directly impact their seizure exemption. Therefore, Paola's disability insurance benefits are protected from garnishment due to her disability, as stipulated by Quebec's insurance and creditor protection laws.


NEW QUESTION # 83
Surjit and Rajbir got married in 2010, and Surjit named Rajbir as the irrevocable beneficiary of his life insurance contract. In 2017, the couple divorced amicably, and Surjit met 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 does not need to do anything as Rajbir is already the named beneficiary.
  • B. Surjit should once again designate Rajbir as the beneficiary.
  • C. Surjit should name a different beneficiary now that he is divorced.
  • D. Surjit cannot make any changes to the policy without Rajbir's consent, as she is the irrevocable beneficiary of his policy.

Answer: A

Explanation:
An irrevocable beneficiary designation remains valid even after a divorce unless the policyholder, with the irrevocable beneficiary's consent, decides to change it. As Surjit wishes to retain Rajbir as his irrevocable beneficiary, no additional steps are required. The designation's irrevocability ensures Rajbir's right to the policy benefits remains intact without needing re-confirmation. This complies with the provisions on irrevocable beneficiaries outlined in Quebec's Civil Code and reinforced by LLQP standards on irrevocable beneficiary designations.


NEW QUESTION # 84
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