IFSE Institute LLQP최고품질예상문제모음 - LLQP최신업데이트버전인증시험자료

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IFSE Institute LLQP 시험요강:

주제	소개
주제 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.
주제 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.
주제 3	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.
주제 4	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.

>> IFSE Institute LLQP최고품질 예상문제모음 <<

적중율 좋은 LLQP최고품질 예상문제모음 덤프공부자료 Life License Qualification Program (LLQP) 시험준비자료

ITDumpsKR에서 출시한 IFSE Institute LLQP덤프만 있으면 학원다닐 필요없이 시험패스 가능합니다. IFSE Institute LLQP덤프를 공부하여 시험에서 떨어지면 불합격성적표와 주문번호를 보내오시면 덤프비용을 환불해드립니다.구매전 데모를 받아 덤프문제를 체험해보세요. 데모도 pdf버전과 온라인버전으로 나뉘어져 있습니다.pdf버전과 온라인버전은 문제는 같은데 온라인버전은 pdf버전을 공부한후 실력테스트 가능한 프로그램입니다.

최신 Life License Qualification Program LLQP 무료샘플문제 (Q187-Q192):

질문 # 187
Lara, owner of Huck's Oil Change Ltd., meets with a life insurance agent to discuss a renewal package for the group benefits plan offered to employees. Lara employs 20 individuals, all of whom are covered under the group plan. The employee turnover rate is 10%, and the insurer has rated the group's claims experience credibility at 20%. In establishing the group's premiums under the new plan, how much weight will the insurer give to the standard manual rate for a comparable group?

A. 10%
B. 80%
C. 20%
D. 90%

정답：B

설명：
Comprehensive and Detailed Explanation:
Credibility rating (20%) reflects the weight given to the group's claims experience; the remaining 80% (100%
- 20%) is based on the standard manual rate (Chapter 8:Group Plan Specifics).
Option A: Incorrect; too low.
Option B: Incorrect; matches credibility, not manual rate.
Option C: Correct; 80%.
Option D: Incorrect; too high.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.

질문 # 188
(Helmut, a Canadian resident for 10 years, invests $25,000 in a segregated fund within an RRSP. The agent processes the transaction without asking for proof of identity.
According to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), what is the conclusion about the agent's action?)

A. He has not violated the identification requirements because the amount is less than $100,000.
B. He has violated the identification requirements because the agent previously completed just one transaction for Helmut.
C. He has violated the identification requirements because the amount of the transaction is more than
$10,000.
D. He has not violated the identification requirements because the amount was deposited in a registered account.

정답：B

설명：
Since the agent hadonly completed one prior transactionfor Helmut,Helmut was still considered a new clientfor identity verification purposes, and identification was mandatory. Failure to verify identity violates PCMLTFA regulations.
Exact Extract:
"Where there is no ongoing business relationship or where previous transactions were limited, the representative must identify the client again. Failure to do so for investments over $10,000 breaches PCMLTFA requirements." (Reference:Segfunds-E313-2020-12-7ED, Chapter 4.3 Compliance Requirements)

질문 # 189
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. Complete a third-party form because it involves her brother as well.
B. Report this transaction to FINTRAC because it exceeds $10,000.
C. Nothing, because there is no suspicious activity involved.
D. Use another ID to ascertain her identity, because the Social Insurance card is prohibited.

정답：A

설명：
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."

질문 # 190
Naomie meets with her new client, Keisha, to review her investment portfolio. Keisha is a 43-year-old sales representative who has been with Belmont Inc., a large pharmaceutical company, for 15 years. She earns a generous salary, plus bonuses. She also has a group tax-free savings account (TFSA) and a defined contribution pension plan (DCPP), all of which are invested in Belmont common shares.
What main need does Naomie have to address regarding Keisha's investments?

A. Income.
B. Saving for an emergency fund.
C. Liquidity.
D. Diversification.

정답：D

설명：
Keisha's investment portfolio is highly concentrated in Belmont Inc. common shares, which include her TFSA and defined contribution pension plan (DCPP). This significant exposure to a single company's stock poses a risk because the value of her investments is directly tied to the financial performance of Belmont Inc.
Diversification is a key strategy to mitigate risk by spreading investments across various asset classes, industries, or geographic regions. This can reduce the impact of poor performance in any one area on the overall portfolio. According to LLQP content, one of the primary goals in managing an investment portfolio is to ensure appropriate diversification to avoid over-reliance on a single asset or asset type.
While other needs, like liquidity and emergency fund savings, are important, Keisha's immediate concern should be diversification. Her current investments do not provide adequate protection against company- specific risks, such as the potential downturns specific to Belmont Inc. Thisaligns with LLQP principles, which emphasize diversification as a way to manage risk effectively and achieve a more stable financial outcome.

질문 # 191
(Kara's uncle recently passed away, leaving her an inheritance. Since Kara does not hold any investment account and is not sure what to do with this unexpected influx of money, her cousin referred her to his own financial advisor.
What information should the advisor first seek to obtain from Kara to begin developing an investment strategy that meets her needs?)

A. The rate of return Kara wants for her investment.
B. How liquid Kara needs her investment to be.
C. Whether Kara would like to duplicate what her cousin has.
D. Who Kara wants to list as beneficiary.

정답：B

설명：
To create an appropriate investment strategy, the advisor must understand Kara'sliquidity needs- how easily and quickly she might need to access her money without significant loss. Liquidity considerations are fundamental when setting up an investment plan, especially for someone without prior investments and an uncertain timeline for using the funds.
Exact Extract:
"Liquidity refers to the ability to access funds readily and should always be assessed in determining appropriate investment recommendations." (Reference:Segfunds-E313-2020-12-7ED, Chapter 1.1.2.5 Liquidity)

질문 # 192
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