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LLQP Pass4sure Dumps & LLQP Sichere Praxis Dumps

Natürlich kennen Sie viele verschiedene Unterlagen, wenn Sie die Prüfungsunterlagen zur IFSE Institute LLQP Zertifizierung suchen. Aber Sie können laut Umfrage oder dem persönlichen Probieren finden, dass Prüfungsunterlagen von EchteFrage für Sie am besten geeignet sind. Die Zertifizierungsfragen zur IFSE Institute LLQP Zertifizierung von EchteFrage werden für die Prüfungsteilnehmer, die sich nicht genug Zeit auf die Zertifizierungsprüfung vorbereiten, speziell konzipiert. Damit können Sie viel Zeit sparen, Und diese LLQP Prüfungsunterlagen können Ihnen versprechen, diese Prüfung einmalig zu bestehen. Außerdem sind die Prüfungsfragen von EchteFrage immer die neuesten und die aktualisiersten. Wenn sich die Prüfungsinhalte verändern, bietet EchteFrage Ihnen die neuesten Informationen.

IFSE Institute LLQP Prüfungsplan:

Thema
Einzelheiten

Thema 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.

Thema 2

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.

Thema 3

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.

Thema 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.

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LLQP Exam Fragen, LLQP Prüfungsfragen

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IFSE Institute Life License Qualification Program (LLQP) LLQP Prüfungsfragen mit Lösungen (Q120-Q125):

120. Frage
Coraline is a landscape gardener who owns a disability insurance (DI) policy. The policy will pay her a
$3,000 monthly benefit after a 90-day waiting period. She is diagnosed with cancer, and because she has to undergo months of chemotherapy, she will be unable to work. She calls Robin, her insurance agent, to inform him of her diagnosis. She would like to know more information about the claims process.
Which of the following statements is CORRECT?

A. The insurer must pay Coraline the benefit amount within 30 days after receipt of the proof of loss.
B. The payment of the initial benefit to Coraline must occur within 30 days after the end of the waiting period.
C. Coraline must contact her agent by phone within 30 days of learning about her diagnosis.
D. Coraline has 30 days to provide the insurer with all of the information required to process the claim.

Antwort: A

Begründung:
Disability insurance policies generally stipulate that the insurer must pay benefits within a specific timeframe following receipt of the proof of loss, typically within 30 days. This aligns with LLQP guidelines and common insurance practices, which require that insurers act promptly upon receiving all necessary documentation related to a claim. Coraline must provide her proof of loss, after which the insurer is obligated to start the payment process. The waiting period dictates when benefits start, but the insurer must pay within the specified period after receiving the required proof.

121. Frage
Ziad, aged 34, was an elementary school teacher for several years. However, staffing cutbacks and his love of food have prompted him to go into business. He just purchased a pizza franchise (taking a $150,000 personal loan to finance the venture) and entered into a five-year lease for his business. Ziad owns a 20-year term life insurance policy with a face amount of $250,000. He is also covered for some benefits under his wife's group insurance plan, but knows he needs additional coverage. What type of accident and sickness coverage should Ziad purchase first?

A. Extended health insurance.
B. Critical illness insurance.
C. Disability income protection insurance.
D. Creditor disability insurance.

Antwort: D

Begründung:
Comprehensive and Detailed Explanation:
Creditor disability insurance ensures Ziad's $150,000 loan payments if he's disabled, protecting his primary financial obligation (Chapter 3:Insurance to Protect Assets).
Option A: Secondary; lump-sum for illness.
Option B: Supplementary; not priority.
Option C: Correct; loan protection first.
Option D: Important but secondary to loan.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 3:Insurance to Protect Assets.

122. Frage
Angus is involved in a motorcycle accident and due to his injuries has to spend a few nights in the hospital.
He is released from the hospital with a doctor's note indicating that he is able to perform certain parts of his job, but that it would take months until he can be back to normal. He promptly calls his insurance agent Dawn to ask her if he would be entitled to his disability benefits. Dawn reads his policy and tells him that he will not receive any disability benefits.
Which disability definition is MOST LIKELY included in his policy?

A. Own occupation
B. Total disability (according to the CPP)
C. Any occupation
D. Regular occupation

Antwort: C

Begründung:
The"any occupation"definition of disability is the most restrictive and generally requires that the insured be unable to perform any work for which they are reasonably qualified by education, training, or experience. If Angus's policy includes this definition, it would explain why he does not qualify for disability benefits despite being unable to perform parts of his job. Under this type of policy, unless he is unable to performany occupation, he would not be eligible for benefits. This is different from other definitions like "own occupation," which is less restrictive and provides benefits if the insured cannot perform their specific job duties.

123. Frage
Last week, at a dinner party, Dario, an insurance agent, met Andrew, a successful businessperson with a net worth of over $10 million. Dario spent the evening following Andrew around, telling him how he could help him manage his finances. The day after the meeting, Dario sent a fruit basket to Andrew's office. Every day since, Dario has been calling and urging Andrew to meet with him and take advantage of his services and insurance products.
Which duties and obligations did Dario break?

A. Duties and obligations towards other representatives, firms, independent partnerships, insurers and financial institutions
B. Duties and obligations towards clients
C. Duties and obligations towards the public
D. Duties and obligations towards the profession

Antwort: C

Begründung:
Dario violated his duties and obligations towards the public by engaging in aggressive and unsolicited solicitation tactics. According to LLQP ethical guidelines, insurance agents must conduct themselves in a manner that upholds the integrity and reputation of the profession. This includes respecting the public's privacy and avoiding high-pressure sales tactics.
The behavior described, where Dario persistently contacts Andrew and sends unsolicited gifts, can be seen as harassment, which is inconsistent with the standards expected of insurance representatives when interacting with the public. LLQP guidelines emphasize the importance of professionalism, transparency, and respect towards potential clients.

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

Antwort: D

Begründung:
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."

125. Frage
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