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権威のある-有効的なLLQP模擬資料試験-試験の準備方法LLQP模擬モード
最も早い時間で気楽にIFSE InstituteのLLQP認定試験に合格したいなら、Japancertを選んだ方が良いです。あなたはJapancertの学習教材を購入した後、私たちは一年間で無料更新サービスを提供することができます。あなたは最新のIFSE InstituteのLLQP試験トレーニング資料を手に入れることが保証します。もしうちの学習教材を購入した後、試験に不合格になる場合は、私たちが全額返金することを保証いたします。
一部の候補者は、自社のLLQPソフトウェアテストシミュレーターを購入する場合があります。 ソフトバージョンをインストールできるパーソナルコンピューターの台数を尋ねられます。 実際、コンピューターの数に制限はありません。 したがって、LLQPソフトウェアテストシミュレータを購入すると、同時にマルチユーザーをサポートします。 無制限にコンピューターにインストールできます。 あなたが訓練学校である場合、教師が気軽に発表して説明するのに適しています。 優れたLLQPソフトウェアテストシミュレータは合格率が高く、Japancertは長期的な協力をお待ちしています。
LLQP模擬モード & LLQP学習関連題
LLQP認定を取得することは、学生、教師、主婦など、さまざまな分野の多くの人々にますます一般的になっていることがわかっています。 全員がLLQP認定を取得することが望まれます。 私たちのLLQP試験ダンプ問題は、短時間で認定を取得するために最善を尽くすために非常に必要です。 LLQP Exam Braindumpsは、試験に合格する手を差し伸べます。 LLQP Exam Torrentは、認定を取得するための最良の学習ツールです。
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
- 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
- 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。
トピック 4
- 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。
IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q90-Q95):
質問 # 90
Paula is a business owner and likes to make important decisions herself. Her business is very successful and she has lots of disposable income. She has a self-direct investment account where she chooses the investment herself. However, despite doing some researches on investment, her own portfolio ends up with major losses.
She just gave birth to a new born baby and would like to have some life insurance coverage for her children's expense in the event of her death. She wants a plan that can provide additional coverage over time and allows her to cover the effect of inflation as well, as she has lost confidence on making investment decisions.
What insurance plan can fit Paula's need?
- A. Whole life with GIB rider
- B. Whole life with PUA rider
- C. Universal life with YRT with maximum funding option
- D. Universal life with LCOI with minimum funding option
正解：B
解説：
Comprehensive and Detailed Explanation From Exact Extract:
Whole life with Paid-Up Additions (PUA) riderallows the policy to grow coverage over time, addressing inflation and providing stable guaranteed values. PUA also removes the need forinvestment decisions, aligning with Paula's new financial preferences. LLQP identifies this structure as ideal for inflation-protected and predictable growth.
質問 # 91
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. Regular occupation
- D. Any occupation
正解：D
解説：
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.
質問 # 92
Angela works in a biomedical research lab where she has been assigned to discover possible antidotes to the anthrax virus. While the discovery process of testing possible antidotes would expose her to the deadly virus, she is excited about the assignment.
Knowing that anthrax can be contracted through infected food, air or contact with skin, what risk management strategy would Angela employ by wearing protective gear over her mouth and skin?
- A. Risk retention.
- B. Risk transfer.
- C. Risk reduction.
- D. Risk avoidance.
正解：C
解説：
Comprehensive and Detailed Explanation From Exact Extract:
Angela is using protective gear to minimize exposure to a known hazard. This is a textbook example of risk reduction, which involves implementing safety measures to lower the probability or impact of a loss. LLQP classifies risk strategies into avoidance, retention, transfer, and reduction-each with distinct characteristics.
Wearing gear does not eliminate the risk but reduces it significantly.
Reference: Insurance Study Guides Chinese.pdf, Risk Management - Types of Risk Strategies
質問 # 93
Ariana is a Vancouver restauranteur who owns a $250,000 universal life (UL) insurance policy with a cash surrender value that has grown considerably over the years. Unfortunately, her restaurant has fallen on hard times and in an effort to turn the business around, she takes out a string of business loans that she personally guaranteed. To protect her life insurance from creditors, she changes the beneficiary designation from her estate, naming her husband as a revocable beneficiary. Despite her efforts, the restaurant's profits do not improve, and she is forced to close her business and file for bankruptcy. Can her creditors seize her cash surrender value?
- A. Yes, because she has money accumulated in her cash surrender value.
- B. No, because her husband is a protected class beneficiary.
- C. No, because the creditors can only go after the restaurant's assets.
- D. Yes, because she changed her beneficiary designation to hinder creditors.
正解：B
解説：
In most Canadian provinces, if a policyholder names a spouse as the beneficiary of a life insurance policy, the cash surrender value of the policy is generally protected from creditors, as long as the spouse qualifies as a
"protected class" beneficiary. By designating her husband as a beneficiary, Ariana's policy benefits and cash surrender value are typically shielded from her personal creditors, even in the event of bankruptcy.
However, if she had named her estate as the beneficiary, the cash surrender value could have been subject to claims by creditors during her bankruptcy.
質問 # 94
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. Policy loan.
- B. Dread disease benefit.
- C. Policy withdrawal.
- D. Terminal illness benefit.
正解：D
解説：
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, whichdirectly applies to Douglas's prognosis. Options C and D involve accessing cash values or loans, which are not immediate death benefit payouts.
質問 # 95
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