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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q93-Q98):

NEW QUESTION # 93
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. Any occupation
B. Own occupation
C. Total disability (according to the CPP)
D. Regular occupation

Answer: A

Explanation:
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.

NEW QUESTION # 94
Aadi is retiring from Scotia Grand, his employer of 25 years. While employed, Aadi benefitted from the company's deferred profit sharing plan (DPSP) and over the years, he accumulated $75,000.
Where should Aadi transfer these funds on a tax-deferral basis, now that he is retired?

A. A group registered retirement income fund (RRIF).
B. A locked-in retirement account (LIRA).
C. A group tax-free savings account (TFSA).
D. A group life income fund (LIF).

Answer: B

Explanation:
Upon retirement, funds from a Deferred Profit Sharing Plan (DPSP) can be transferred on a tax-deferred basis to certain registered accounts, such as a Locked-In Retirement Account (LIRA). This option allows Aadi to defer taxes while preserving the funds for future retirement income. LLQP guidelines indicate that DPSP funds can be transferred to a LIRA or similar locked-in accounts under the tax-deferred status until they are eventually converted into income-paying vehicles, like a Life Income Fund (LIF) or a Registered Retirement Income Fund (RRIF).
Options such as a TFSA or group RRIF are incorrect in this context because TFSAs do not permit direct DPSP transfers and RRIFs are typically used as income-producing accounts rather than transfer vehicles. A LIRA is specifically designed to hold locked-in funds from employer pension plans, allowing Aadi to keep the funds tax-sheltered until he needs to draw income from them during retirement.

NEW QUESTION # 95
Diane is an insurance agent working for Gamma Insurance Inc. who is responsible for coaching a newly licensed agent, Wick. Wick has questions about his role, and he would like to know how he should service his clients.
What should Diane tell Wick about what is expected of him?

A. He must contact his clients on a quarterly basis.
B. He must keep detailed notes about the services provided to clients.
C. He must deliver to clients, newly issued policies within 30 days of acceptance.
D. He must fill out the claim forms for his clients.

Answer: B

Explanation:
As an insurance agent,keeping detailed noteson services provided to clients is essential for ensuring compliance, accountability, and providing excellent customer service. Documentation is crucial for record- keeping and allows agents to track interactions and recommendations given to clients. While delivering policies promptly is also part of an agent's duties, maintaining accurate records is fundamental to fulfilling regulatory and ethical obligations as outlined in LLQP guidelines.

NEW QUESTION # 96
Surjit and Rajbir got married in 2010, and Surjit named Rajbir as the irrevocable beneficiary of his life insurance contract. In 2017, the couple divorced amicably, and Surjit met with his insurance representative, Ivan, to review his plans. Surjit tells Ivan that he would like to keep Rajbir as his beneficiary.
What should Ivan counsel his client to do?

A. Surjit cannot make any changes to the policy without Rajbir's consent, as she is the irrevocable beneficiary of his policy.
B. Surjit does not need to do anything as Rajbir is already the named beneficiary.
C. Surjit should once again designate Rajbir as the beneficiary.
D. Surjit should name a different beneficiary now that he is divorced.

Answer: B

Explanation:
In Quebec, an irrevocable beneficiary designation remains in effect even after a divorce, unless the policyholder takes steps to change it. Because Rajbir is designated as the irrevocable beneficiary, Surjit would require Rajbir's consent to alter the beneficiary designation. Since Surjit intends to keep Rajbir as the beneficiary, he does not need to take any additional action, as the irrevocable beneficiary status remains in force. Surjit cannot change or remove Rajbir as the beneficiary without her consent, so his current designation remains unaffected by the divorce under LLQP guidelines and Quebec civil code rules on irrevocable beneficiaries.

NEW QUESTION # 97
Jonas recently graduated with his engineering degree and is joining the Alberta Engineering Association. He is informed that the association offers a group plan to all members. Jonas wants to join the plan but wishes to know who will pay the premiums for the coverage.
Which of the following answers is CORRECT?

A. Initially, the members must pay 100% of the premiums but after 3 years in the plan, the premiums are split with the association.
B. The members must pay 100% of the premiums.
C. The premiums are split between the members and the association.
D. The Association will pay 100% of the premiums.

Answer: B

Explanation:
Typically, when associations like the Alberta Engineering Association offer group insurance plans, these plans arevoluntary, and members are generally responsible for paying the full premium. This arrangement is common in association group plans, where membership is optional, and individuals must choose to opt in and pay their share. The LLQP materials outline that association-sponsored group plans often work this way unless otherwise specified, as there is no indication that the association shares in the premium costs.

NEW QUESTION # 98
......

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Pass Guaranteed IFSE Institute LLQP Fantastic Exam Price

2025 100% Free LLQP –Newest 100% Free Exam Price | Life License Qualification Program (LLQP) Simulations Pdf

IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q93-Q98):

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