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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q102-Q107):

NEW QUESTION # 102
Harold is a 66-year-old retired school bus mechanic. He receives $900 a month from his defined benefit pension plan (DBPP). His husband Karl is also retired and receives his own pension benefit. Harold would like to know the minimum monthly pension benefit from his DBPP that Karl will receive upon Harold's death.

A. $450 to $495 depending on the province they reside.
B. $0
C. $900
D. $540 to $594 depending on the province they reside.

Answer: B

Explanation:
Defined Benefit Pension Plans (DBPPs) provide a guaranteed income stream to the plan member after retirement, based on a formula considering factors like years of service and salary history. Generally, unless explicitly set up with survivor benefits, DBPPs do not automatically transfer income to a surviving spouse upon the member's death. In Harold's case, if no survivor benefit option was selected during retirement setup, Karl would not receive any income from Harold's DBPP. Therefore, the correct answer isA. $0as no automatic provision ensures Karl receives benefits unless Harold had chosen and paid for survivor benefits.

NEW QUESTION # 103
(Harry, aged 60, recently sold his business and plans to invest $100,000 in segregated equity fund contracts. He wants to minimize costs but has a family history of early death.
What maturity and death benefit guarantees would be most appropriate?)

A. 100%/100%
B. 75%/100%
C. 75%/75%
D. 100%/75%

Answer: B

Explanation:
Given Harry'scost sensitivityandfamily health history, the75% maturity and 100% death benefit combination offerslower costscompared to a full 100%/100% guarantee while still ensuring full death benefit protection for his heirs.
Exact Extract:
"Clients concerned about cost but needing strong death benefit protection often select 75% maturity guarantees combined with 100% death benefit guarantees." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.1.1 Guarantees)

NEW QUESTION # 104
Edna is a 62-year-old widow living in Quebec. She meets with Yolanda, her insurance agent. Ednaworked part-time her whole life as a seamstress and has no savings. Her husband Donald had been working as a greeter at the local box store until his death 2 months ago at the age of 67. Since his passing, Edna has been struggling financially. She would like to know which of the following organizations will immediately pay her a benefit?

A. She will not receive any benefit.
B. Canada Pension Plan (CPP) survivor benefits.
C. Workers' Compensation.
D. Old Age Security (OAS) allowance for surviving spouse.

Answer: B

Explanation:
Since Edna was married to Donald, she is eligible to receiveCanada Pension Plan (CPP) survivor benefits, which provide a monthly benefit to surviving spouses. Old Age Security (OAS) survivor allowance may not apply directly here as it is conditional and may not provide immediate benefits like the CPP does in this situation. Workers' Compensation does not apply as it pertains to workplace injuries, and since Donald was not injured on the job, it does not cover Edna's situation.Therefore,Option Cis correct.

NEW QUESTION # 105
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 should name a different beneficiary now that he is divorced.
C. Surjit does not need to do anything as Rajbir is already the named beneficiary.
D. Surjit should once again designate Rajbir as the beneficiary.

Answer: C

Explanation:
An irrevocable beneficiary designation remains valid even after a divorce unless the policyholder, with the irrevocable beneficiary's consent, decides to change it. As Surjit wishes to retain Rajbir as his irrevocable beneficiary, no additional steps are required. The designation's irrevocability ensures Rajbir's right to the policy benefits remains intact without needing re-confirmation. This complies with the provisions on irrevocable beneficiaries outlined in Quebec's Civil Code and reinforced by LLQP standards on irrevocable beneficiary designations.

NEW QUESTION # 106
Laekyn purchased an individual disability insurance policy 3 years ago from Awah, her insurance agent.
Today, Awah receives a call from Laekyn, who says she is hospitalized following a suicide attempt. Laekyn says her doctor diagnosed her with bipolar disorder and expects she will be able to return to work in 3 months.
Will Awah be able to help Laekyn receive disability benefits?

A. Yes, because Laekyn contacted her as soon as she received her diagnosis.
B. Yes, because the event occurred more than 2 years after the policy was purchased.
C. No, because she is disabled due to a suicide attempt.
D. No, because the minimum waiting period on an individual disability policy is 90 days.

Answer: B

Explanation:
Most individual disability insurance policies include atwo-year incontestability clause, after which the insurer cannot deny claims due to misrepresentations on the application, unless they involve fraud. Since Laekyn's policy was purchased over three years ago, and assuming there was no fraudulent application, she should be eligible for benefits. The fact that her disability is related to a suicide attempt is not an automatic disqualification beyond this period unless specifically excluded by the policy. Therefore, the insurer should process her claim under the standard disability terms of the policy.

NEW QUESTION # 107
......

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Isaac Hunter Isaac Hunter

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