Ian Tate Ian Tate's Profile Page

Ian Tate Ian Tate

0 Course Enrolled • 0 Course Completed

Biography

LLQP受験対策 & LLQP模擬試験問題集

GoShikenのIFSE InstituteのLLQP試験トレーニング資料を利用したら、最新のIFSE InstituteのLLQP認定試験の問題と解答を得られます。そうしたらGoShikenのIFSE InstituteのLLQP試験に合格することができるようになります。GoShikenのIFSE InstituteのLLQP試験に合格することはあなたのキャリアを助けられて、将来の異なる環境でチャンスを与えます。GoShikenのIFSE InstituteのLLQP試験トレーニング資料はあなたが完全に問題と問題に含まれているコンセプトを理解できることを保証しますから、あなたは気楽に一回で試験に合格することができます。

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

Ethics and Professional Practice: This part of the exam focuses on the legal and ethical responsibilities of life insurance professionals. It outlines the legal framework for life insurance in common law provinces and territories and stresses the importance of maintaining professionalism.

トピック 2

Accident and Sickness Insurance: Aimed at insurance professionals offering individual and group health insurance, this section emphasizes the importance of financial protection in the case of serious illness or injury.

トピック 3

Segregated Funds and Annuities: Targeted at investment advisors and financial planners, this section evaluates their understanding of saving and investment strategies, which are essential for retirement and financial planning.

トピック 4

Life Insurance: This section assesses the expertise of insurance professionals, including financial advisors and life insurance agents, in understanding the financial impact of death. It explains how life insurance helps address those financial needs and introduces various life insurance products, along with their features and benefits.

>> LLQP受験対策 <<

LLQP試験の準備方法｜真実的なLLQP受験対策試験｜一番優秀なLife License Qualification Program (LLQP)模擬試験問題集

GoShiken合格率は非常に高く99％に達し、LLQP試験トレントも高いヒット率を高めています。 LLQPの調査の質問は、認定された専門家によって編集され、長年の経験を持つ専門家によって承認されています。 LLQPの調査問題は、過去の試験問題と密接にリンクしており、業界の一般的な傾向に準拠しています。したがって、当社IFSE InstituteのLife License Qualification Program (LLQP)のLLQPガイドトレントは高品質であり、LLQP試験に高い確率で合格することができます。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q239-Q244):

質問 # 239
Barry, a life insurance agent, is meeting his client Diane who came to Canada 26 years ago. Diane is turning
60 years old and is considering purchasing a non-registered life annuity to supplement her retirement income.
Barry presented the quote to her and it was quickly accepted. During the application process, he recorded Diane's contact information, used her Social Insurance card to ascertain her identity, and collected a cheque of $120,000 from a joint account. The names written on the cheque were Diane and Geoffrey. Diane explained that this was a joint account with her brother. What should Barry do to comply with FINTRAC's guidelines regarding ascertaining identity?

A. Use another ID to ascertain her identity, because the Social Insurance card is prohibited.
B. Complete a third-party form because it involves her brother as well.
C. Report this transaction to FINTRAC because it exceeds $10,000.
D. Nothing, because there is no suspicious activity involved.

正解：B

解説：
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)references FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) guidelines, requiring agents to identify third parties when funds come from a joint account not solely owned by the client. Diane's $120,000 cheque from a joint account with Geoffrey triggers the third-party determination rule, necessitating a third-party form (A).
Reporting to FINTRAC (B) applies to cash transactions over $10,000, not cheques here. The Social Insurance card is acceptable ID, so C is incorrect. Doing nothing (D) violates FINTRAC compliance. A is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 4: Regulatory Environment, Section on "FINTRAC Guidelines - Third-Party Determination."

質問 # 240
Marietta receives a summons from the syndic of the CSF regarding an investigation into her associate. The summons was delivered to her office on May 2 and she took notice of it on May 4. The summons requires her to receive the syndic representative at her office on May 19 at 8:30 a.m. Marietta has already planned for and reserved a week off for a vacation abroad from May 15 to 22. She immediately emails the syndic representative to inform him that she will be out of the country and cannot be present on the 19th. She proposes meeting on the 14th or the 23rd ofthe same month. Pursuant to the Code of Ethics of the Chambre de la securite financiere, which duties or obligations has Marietta breached?

A. She has breached her duties toward the profession
B. She has breached her obligations toward other representatives, firms, independent partnerships, insurers, and financial companies
C. She has breached her duties toward the client
D. She has not breached the Code of Ethics

正解：D

解説：
Comprehensive and Detailed In-Depth Explanation: The CSF Code of Ethics (Section 7) requires cooperation with the syndic during investigations, including attending scheduled meetings. However, Marietta's prior vacation and prompt communication proposing alternative dates demonstrate reasonable effort to comply, not defiance. Option A is correct-she has not breached the Code, as flexibility is allowed if justified and communicated. Option B (other professionals) is irrelevant, as no duty to them is implicated. Option C (client) doesn't apply, as no client is involved. Option D (profession) could arise if she ignored the summons, but her proactive response avoids this. The Ethics manual supports cooperation with regulators while acknowledging practical constraints.
References: CSF Code of Ethics, Section 7; Ethics and Professional Practice (Civil Law) Manual, Section on Regulatory Cooperation.

質問 # 241
Trisha is new to the insurance industry and wants to understand the primary responsibility of the Canadian Insurance Services Regulatory Organizations (CISRO). Which of the followingstatements about CISRO is CORRECT?

A. To provide clients with assistance to their enquiries and complaints pertaining to Canadian life and health insurance products and services.
B. To administer the enforcement of the federal Personal Information Protection and Electronic Documents Act (PIPEDA).
C. To help protect the integrity of the Canadian financial system.
D. To administer the regulatory system, applicable to insurance intermediaries.

正解：D

解説：
The primary responsibility of the Canadian Insurance Services Regulatory Organizations (CISRO) is to establish and maintain a cohesive regulatory framework for insurance intermediaries, ensuring consistent standards across provincial and territorial jurisdictions in Canada. CISRO does not directly interact with consumers or administer PIPEDA; rather, it collaborates with regional regulators to promote regulatory harmony for insurance professionals.
This responsibility helps uphold public trust and ensures that intermediaries comply with legal and professional standards.

質問 # 242
Cory is a recent college graduate who has just been hired by a marketing firm in an entry-level position. His employer group benefits only cover a short-term disability to a maximum of 119 days. He meets with an insurance agent to talk about disability coverage. To fully cover his salary, he would require a $3,000 monthly benefit. In reviewing options, he thinks that his ideal coverage of a 30-day waiting period and a "to age 65" benefit period comes at a cost that exceeds his budget. What recommendation should the insurance agent make to Cory regarding coverage?

A. Extend the waiting period to reduce the monthly premium.
B. Wait until his income has increased and he can afford the premium.
C. Shorten the benefit period to reduce the monthly premium.
D. Reduce the monthly benefit to reduce the monthly premium.

正解：A

解説：
Comprehensive and Detailed Explanation:
Extending the waiting period (e.g., to 120 days) aligns with his 119-day STD coverage, reducing premiums while maintaining $3,000/month to age 65 (Chapter 7:Insurance Recommendation, Contract, and Service Needs).
Option A: Correct; cost-effective.
Option B: Incorrect; weakens coverage.
Option C: Incorrect; reduces protection.
Option D: Incorrect; delays coverage.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 7:Insurance Recommendation, Contract, and Service Needs.

質問 # 243
Sidney is a professional hockey player that recently purchased a large house and wants to have life insurance coverage to cover the cost. He meets with his life insurance agent, Dave, to determine his need and complete an application. After completing a needs analysis, it is determined he should have $25,000,000 worth of life insurance. Dave makes an application to A-Z Life Insurance Co. for $25,000,000 of permanent life insurance.
The insurance company tells Dave that they have a maximum retention amount of $20,000,000 per policy.
What will happen in Sidney's case?

A. He will have to apply for two different policies with A-Z Life Insurance Co.: Each less than
$20,000,000 but totaling $25,000,000
B. He will have to apply for $20,000,000 worth of coverage with A-Z Life Insurance Co. and $5,000,000 with a reinsurance company.
C. He will have to apply for $25,000,000 worth of coverage with A-Z Life Insurance Co. and they will find a reinsurance company to cover the $5,000,000.
D. He will have to apply for $20,000,000 worth of coverage.

正解：C

解説：
Comprehensive and Detailed Explanation From Exact Extract:
When a life insurer'sretention limitis below the desired coverage, they arrange forreinsurance. The LLQP explains that the insurer can apply for full coverage andautomatically allocate the excess to reinsurers without the client applying separately. This maintains simplicity for the applicant.

質問 # 244
......

何よりもまず、当社IFSE Instituteはほぼ10年間この分野で確固たる勢力となり、当社GoShikenのLLQP試験問題は国際市場でそのような迅速な販売を享受しましたが、お客様に手頃な価格を維持しています。第二に、最終決定を下す前に、当社がコンパイルした最新の急流LLQPを直接体験できるように、このWebサイトで無料のデモを用意しました。ですから、もうheしないで、急いでLLQPテストLife License Qualification Program (LLQP)問題を購入してください。

LLQP模擬試験問題集: https://www.goshiken.com/IFSE-Institute/LLQP-mondaishu.html

Ian Tate Ian Tate

Biography

Quick Links

Resources