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LLQP적중율높은인증덤프, LLQP최고품질인증시험덤프데모

Pass4Test의 IFSE Institute LLQP 덤프로 시험을 준비하면IFSE Institute LLQP시험패스를 예약한것과 같습니다. 가장 최근 출제된IFSE Institute LLQP시험문제를 바탕으로 만들어진 적중율 최고인 덤프로서 간단한 시험패스는 더는 꿈이 아닙니다. 덤프는 pdf파일과 온라인서비스로 되어있는데 pdf버전은 출력가능하고 온라인버전은 휴대폰에서도 작동가능합니다.

Pass4Test에서는 IFSE Institute인증 LLQP시험을 도전해보시려는 분들을 위해 퍼펙트한 IFSE Institute인증 LLQP덤프를 가벼운 가격으로 제공해드립니다.덤프는IFSE Institute인증 LLQP시험의 기출문제와 예상문제로 제작된것으로서 시험문제를 거의 100%커버하고 있습니다. Pass4Test제품을 한번 믿어주시면 기적을 가져다 드릴것입니다.

>> LLQP적중율 높은 인증덤프 <<

높은 적중율을 자랑하는 LLQP적중율 높은 인증덤프 덤프자료로 Life License Qualification Program (LLQP) 시험패스가능

IFSE Institute인증 LLQP시험패스는 IT업계종사자들이 승진 혹은 연봉협상 혹은 이직 등 보든 면에서 날개를 가해준것과 같습니다.IT업계는 IFSE Institute인증 LLQP시험을 패스한 전문가를 필요로 하고 있습니다. Pass4Test의IFSE Institute인증 LLQP덤프로 시험을 패스하고 자격증을 취득하여 더욱더 큰 무대로 진출해보세요.

IFSE Institute LLQP 시험요강:

주제
소개

주제 1

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 2

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 3

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 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.

최신 Life License Qualification Program LLQP 무료샘플문제 (Q200-Q205):

질문 # 200
Sergei meets with his insurance agent Nikita to purchase a $50,000 critical illness policy. Nikita explains that to apply for the policy Sergei would have to answer a series of personal questions about his finances, health, and lifestyle. Sergei is uncomfortable giving Nikita such detailed personal information. Nikita reassures Sergei by telling him that the insurer must follow stringent rules about how they can collect and handle this information. Which organization legislates privacy statutes pertaining to insurance companies?

A. Human rights legislation
B. Privacy Act
C. Criminal Code
D. Personal Information Protection and Electronic Documents Act (PIPEDA)

정답：D

설명：
PIPEDA governs how private sector organizations, including insurance companies, collect, use, and disclose personal information in Canada. This Act mandates that insurers adhere to strict guidelines to ensure the protection of client information. Nikita is correct in assuring Sergei that his personal information is protected by privacy legislation, as PIPEDA sets out these obligations for private sector companies handling personal data.

질문 # 201
Juliette owns a medium-sized business with approximately 100 employees. Three years ago, she set up a small group benefits plan. Her employees, however, are unhappy with the coverages offered under the plan.
Moreover, for tax purposes, the group plan shares the cost of disability premiums with the employees-an expense they do not welcome. What should Juliette's agent tell her?

A. She should instead opt for an EHT, which affords more flexibility with no tax implications for her employees.
B. Her existing group plan is the best solution, because a group of that size would not be able to take advantage of other "grouped" alternatives.
C. She should instead opt for a PHSP, which provides more flexible and tax-free disability benefits.
D. The existing group plan is the most cost-effective and tax-free way to provide these benefits.

정답：C

설명：
Comprehensive and Detailed Explanation:
A Private Health Services Plan (PHSP) offers flexible, tax-free benefits (employer-paid premiums are deductible, benefits non-taxable), addressing employee dissatisfaction and tax concerns (Chapter 8:Group Plan Specifics).
Option A: Incorrect; EHT (Employer Health Tax) isn't insurance.
Option B: Correct; PHSP fits needs.
Option C-D: Incorrect; group plan isn't optimal or tax-free for employees.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.

질문 # 202
On February 5, Ayla started working at Larson Group Inc. as an administrative assistant. Larson Group offers all employees a group health, dental and life insurance plan that commences after a 3-month waiting period.
On April 7, Ayla felt ill and drove herself to the hospital. The doctor diagnosed two clogged arteries and performed an emergency surgery. Ayla was unable to work for 2 months, then died of complications on June
9. Will the group insurance plan pay the death benefit?

A. Yes, because she died of natural causes.
B. No, because Ayla was not actively at work when the coverage started.
C. No, because Ayla did not provide the insurer with any proof of insurability.
D. Yes, because her group life coverage started on May 5.

정답：B

설명：
Group life insurance coverage often requires the employee to be "actively at work" on the day the coverage takes effect. Although Ayla's coverage would have started on May 5, she was not actively at work on that date due to her medical condition. Most group insurance policies have this requirement, and without meeting it, coverage typically does not commence. Therefore,Option Caccurately reflects why the death benefit would not be paid.

질문 # 203
(Gregory and Vanessa married at an early age and had three children, who are now in their forties:
Eve, Rick and Max. When the couple retired five years ago, they purchased a joint life annuity. They also had a will drawn up naming the three children as equal beneficiaries of their estate. The will specifies that Eve will act as executor of the estate.
Last week, Gregory and Vanessa both died in a car accident.
Who could make a death claim as regards the annuity?)

A. No claim can be made
B. Eve, Rick and Max
C. Rick and Max
D. Eve

정답：A

설명：
Since Gregory and Vanessa bought ajoint life annuity without mention of a guarantee period, the annuity wouldcease payments upon the death of the second annuitant. Therefore,no death claimcan be made on the annuity.
Exact Extract:
"In a joint life annuity with no guarantee period, payments stop upon the death of the second annuitant. No death benefit is payable." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.2.2 Joint Life Contract#53:3 Segfunds-E313-2020-12-
7ED.pdf**)

질문 # 204
Andrew and Julie are married and are currently doing some tax and estate planning. They have acquired several properties over the years, many of which are rental properties. When Andrew and Julie pass away, they would like to pass these properties on to their kids. They realize there will be a large tax disposition on the final estate after they have both passed away and would like to fund that through a permanent life insurance strategy. They would like a simple solution and cash value is not important to them.
What type of life policy should Andrew and Julie consider purchasing?

A. Joint last-to-die T100
B. Joint last-to-die Whole Life
C. Joint first-to-die T100
D. Joint last-to-die Universal Life

정답：A

설명：
Comprehensive and Detailed Explanation From Exact Extract:
Joint last-to-die Term 100 (T100) is a cost-effective permanent insurance with no cash value that pays upon the second death. LLQP teaches that this is ideal when the focus is on estate liquidity (taxes on real estate, investments) without cash accumulation.
Reference: Insurance Study Guides Chinese.pdf, Term 100 and Estate Liquidity Needs

질문 # 205
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Pass4Test의IFSE Institute인증 LLQP덤프는 고객님의 IT인증자격증을 취득하는 소원을들어줍니다. IT업계에 금방 종사한 분은 자격증을 많이 취득하여 자신만의 가치를 업그레이드할수 있습니다. Pass4Test의IFSE Institute인증 LLQP덤프는 실제 시험문제에 대비하여 연구제작된 퍼펙트한 시험전 공부자료로서 시험이 더는 어렵지 않게 느끼도록 편하게 도와드립니다.

LLQP최고품질 인증시험덤프데모: https://www.pass4test.net/LLQP.html

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