試験の準備方法-有難いLLQP技術問題試験-真実的なLLQP日本語受験教科書

最近、IFSE Institute問題集を提供するサイトは多くなっていますから、あなたは試験を準備するとき、復習の方法に悩んでいます。我々のLLQP資料は弊社の専門家たちによって開発されて、あなたの試験への合格を助けることができます。それに、LLQP問題集はもう更新されましたので、受験生たちの不安を削除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	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 2	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 3	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 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技術問題 <<

LLQP日本語受験教科書 & LLQP試験番号

まず、IFSE InstituteのLLQP試験で100％の合格率を保証できます。 LLQP練習クイズには、タイミング機能を備えた模擬試験システムが装備されているため、学習結果をいつでも確認し、欠陥のチェックを続け、体力を向上させることができます。第二に、LLQPラーニングガイドの使用期間中、24時間の無料オンラインサービスも提供します。これは、LLQP試験問題に関する問題をいつでも解決するのにLife License Qualification Program (LLQP)役立ちます。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q14-Q19):

質問 # 14
Emma, an employee at MagicLand, is part of the company's group registered retirement savings plan (RRSP).
During her tenure, she accumulated over $70,000 in the plan and all of her contributions are invested in segregated funds. She meets with Jun to invest in an individual segregated fund. Jun tells her that there are some differences between group and individual segregated funds.
How are Emma's group segregated funds DIFFERENT from an individual segregated fund?

A. They have higher sales charges.
B. They charge switching fees.
C. They offer death benefit guarantees at a special rate.
D. They have lower management expense ratios (MERs).

正解：D

解説：
Group segregated funds typically have lower Management Expense Ratios (MERs) than individual segregated funds because group plans benefit from economies of scale and pooled investment options. LLQP highlights that group plans often have reduced fees compared to individual plans due to collective investment and reduced administrative costs.
Options A and B are incorrect as group plans typically feature lower costs and don't often charge switching fees. Option C is incorrect as individual segregated funds typically have more flexible death benefit guarantee options, not special rates in group plans.

質問 # 15
Becky opened a small bakery five years ago. Although she struggled at first, her business hasbecome increasingly successful. Until recently, she only had two full-time employees, but now she hired two more and relocated the store to a busier street. The rent is higher, and so are the profits. As the bakery expands, however, Becky is becoming increasingly concerned about what would happen to it if she became unable to work-even for just a few months-due to an illness or an injury. Which one of the following options would most suitably protect Becky's business against such a risk?

A. Business overhead expense insurance.
B. Personal disability insurance.
C. Disability buyout insurance.
D. Self-funding arrangement.

正解：A

解説：
Comprehensive and Detailed Explanation:
Business overhead expense (BOE) insurance covers fixed business costs (e.g., rent, salaries) during the owner' s disability, keeping the bakery operational (Chapter 5:Insurance to Protect Businesses).
Option A: Correct; BOE fits her concern for short-term business continuity.
Option B: Incorrect; buyout insurance is for partnership dissolution.
Option C: Incorrect; personal disability covers income, not business expenses.
Option D: Risky; self-funding depletes savings.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 5:Insurance to Protect Businesses.

質問 # 16
Alec is sure he sent his insurer his annual life insurance premium payment. The insurer did not receive it, however. The insurer then sent Alec a notice of non-payment of premiums, but Alec had moved in the meantime. Therefore, he never got the notice, even though he had emailed hisfinancial security advisor, Olivier, to inform him of his change of address. Unfortunately, Olivier was on a leave of absence and no one else in the firm took over the file. As a result, the policy lapsed. Alec sent Olivier's firm several emails to complain, but no one responded. Which organization can Alec turn to?

A. The Autorite des marches financiers
B. The Canadian Life and Health Insurance Association
C. The Chambre de la securite financiere
D. Assuris

正解：A

解説：
Comprehensive and Detailed In-Depth Explanation: Alec faces a lapsed policy due to communication failures involving his advisor and firm. The Autorite des marches financiers (AMF) regulates Quebec's financial advisors and firms under the Distribution Act (Sections 103-115), handling complaints about advisor negligence or firm unresponsiveness. Option C is correct, as the AMF can investigate Olivier's firm's failure to update Alec's address or respond. Option A (CLHIA) is an industry group without regulatory power.
Option B (Chambre de la securite financiere) oversees advisor ethics but focuses on individual conduct, not firm-wide issues or insurer disputes. Option D (Assuris) protects policyholders if an insurer fails, not for lapses due to non-payment. The Ethics manual stresses advisors' duty to maintain client communication, supporting AMF jurisdiction here.
References: Distribution Act, Sections 103-115; Ethics and Professional Practice (Civil Law) Manual, Section on Advisor Responsibilities.

質問 # 17
(Ted purchased an IVIC 10 years ago. His original deposit was $10,000. The current market value is
$15,500 at maturity.
What will the new maturity guarantee be?)

A. $10,000, with the new maturity date set 10 years from now.
B. $12,000, with the new maturity date set 10 years from now.
C. $15,500, and the new maturity date will depend on Ted's age.
D. $11,625, and the new maturity date will depend on Ted's age.

正解：C

解説：
Upon maturity,the new guarantee becomes the current market value, andthe new maturity date is based on contract terms, often depending on the ageof the client or a specific reset term.
Exact Extract:
"When a segregated fund contract matures, the new guarantee is based on the current market value, and a new maturity date is set according to the client's age or the insurer's terms." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.1.2 Growth Secured by Reset#45:0†Segfunds-E313-
2020-12-7ED.pdf**)

質問 # 18
Danny purchases a $1,000,000 whole life insurance policy. He names his three daughters, Donna-Joe, Stephanie, and Michelle, as revocable beneficiaries with each receiving one-third of the death benefit.
If Michelle predeceases Danny, and Danny did not have a chance to modify his beneficiary designation, how will Danny's death benefit be paid out?

A. Donna-Joe and Stephanie will each receive $500,000.
B. Donna-Joe and Stephanie will each receive $333,333, and Michelle's estate will receive $333,333.
C. Danny's estate will receive the entire $1,000,000 death benefit.
D. Donna-Joe and Stephanie will each receive $333,333, and Danny's estate will receive $333,333.

正解：A

解説：
When a beneficiary is designated as "revocable" and predeceases the policyholder, their share of the benefit typically reverts to the surviving beneficiaries rather than the deceased beneficiary's estate. In this case, since Michelle has predeceased Danny, her portion of the benefit is divided equally between Donna-Joe and Stephanie, the remaining beneficiaries. Therefore, each of them would receive 50% of the total death benefit, which is $500,000. If the beneficiaries had been designated as "irrevocable" or if there were specific contingent beneficiaries, different rules might apply.

質問 # 19
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IFSE Institute LLQP認証試験を通るために、いいツールが必要です。IFSE Institute LLQP認証試験について研究の資料がもっとも大部分になって、Topexamは早くてIFSE Institute LLQP認証試験の資料を集めることができます。弊社の専門家は経験が豊富で、研究した問題集がもっとも真題と近づいて現場試験のうろたえることを避けます。

LLQP日本語受験教科書: https://www.topexam.jp/LLQP_shiken.html