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IFSE Institute LLQP Fragenkatalog & LLQP Testking

Fühlen Sie sich sehr schwierig, erfolgreich zu werden? Fühlen Sie es sehr schwierig, IT-Zertifizierungsprüfungen zu bestehen? Sorgen Sie sich jetzt um die IFSE Institute LLQP Zertifizierungsprüfung? Es ist unnötig. IT-Zertifizierungsprüfungen sind nicht so geheimnisvoll wie Sie glauben. Wir können richtige Geräte benutzen, erfolgreich zu werden. Solange Sie die richtigen Geräte wählen, ist es sehr einfach erfolgreich zu werden. Wissen Sie, was ist das beste Gerät? Ja, IFSE Institute LLQP Dumps von ITZert sind die besten Geräte. Diese Dumps sammeln und analysieren viele vorherige LLQP Prüfungsfragen. Und sie fügen auch viele neue Prüfungsfragen laut der Prüfungsvorschriften hinzu. Das ist die Dumps, die Sie IFSE Institute LLQP Prüfung einmalig bestehen können.

Die Prüfungsmaterialien von IFSE Institute LLQP Zertifizierungsprüfung von unserem ITZert existieren in der Form von PDF und Stimulationssoftware, in der alle Testaufgaben und Antworten von IFSE Institute LLQP Zertifizierung enthalten sind. Inhalte dieser Lehrbücher sind umfassend und zuversichtlich. Hoffentlich kann ITZert Ihr bester Hilfer bei der Vorbereitung der IFSE Institute LLQP Zertifizierungsprüfung werden. Falls Sie leider die LLQP Prüfung nicht bestehen, bitte machen Sie keine Sorge, denn wir werden alle Ihre Einkaufsgebühren bedingungslos zurückgeben.

>> IFSE Institute LLQP Fragenkatalog <<

LLQP Testking & LLQP Probesfragen

Dynamischen Welt von heute lohnt es sich, etwas für das berufliche Weiterkommen zu tun. Angesichts des Fachkräftemangels in vielen Branchen haben Sie mit einer IFSE Institute LLQP Zertifizierung mehr Kontrolle über Ihren eigenen Werdegang und damit bessere Aufstiegschancen.

IFSE Institute LLQP Prüfungsplan:

Thema
Einzelheiten

Thema 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.

Thema 2

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.

Thema 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.

Thema 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 Life License Qualification Program (LLQP) LLQP Prüfungsfragen mit Lösungen (Q130-Q135):

130. Frage
Oliver, an insurance agent, meets with Roman and Julie. They are a married couple with a five-year-old son William. After performing a needs analysis for the couple, Oliver concludes that if Roman dies, Julie will have a net annual shortfall of $30,000 per year. Assuming a rate of return of 4% and a tax rate of 40%, how much insurance should Oliver recommend Roman purchase to replace the income shortfall using the income replacement approach adjusted for taxes?

A. $1,250,000
B. $390,000
C. $750,000
D. $1,875,000

Antwort: C

Begründung:
To determine the amount of insurance needed for income replacement with a net shortfall of $30,000 per year, the calculation is as follows:
Calculate Gross Income Needed:Since Roman's income needs to be adjusted for a 40% tax rate:
A black and white math equation Description automatically generated with medium confidence

Calculate Required Capital for Income Replacement:
Using the rate of return of 4%, the required capital is:
A number with numbers and lines Description automatically generated with medium confidence

Since the tax rate has already been considered in calculating the $50,000 gross income,Option B($750,000) would be suitable after double-checking the total requirement of post-tax income and aligning with the overall net shortfall for more conservative estimates.Correct answer after full calculation adjustments should beB.
$750,000.

131. Frage
Gold, a financial security advisor, recently met with a wealthy client who needed tax advice. The client also wanted to draft a will and a mandate in case of incapacity. Eager to meet his client's needs and make recommendations, he did not think it necessary to propose a meeting with the firm's tax expert and notary.
Towards whom has Gold breached his duties and obligations?

A. Other representatives, firms, independent partnerships, insurers, and financial institutions
B. The profession
C. The client
D. The public

Antwort: C

Begründung:
Comprehensive and Detailed In-Depth Explanation: Gold's role as a financial security advisor, per the Distribution Act (Section 16), requires him to act competently and in the client's best interest. Tax advice, wills, and mandates in case of incapacity (Civil Code, Articles 2166-2174) often exceed an advisor's expertise, necessitating referral to specialists like tax experts and notaries. By not proposing such collaboration, Gold risks providing incomplete or inaccurate advice, breaching his duty of care to the client (option B). Option A (the public) is too broad, as no public harm is evident. Option C (other professionals) is unaffected, as no direct duty to them is breached. Option D (the profession) could apply indirectly via reputational harm, but theprimary breach is to the client. The Ethics and Professional Practice manual mandates advisors to recognize their limits and refer clients appropriately.
References: Distribution Act, Section 16; Civil Code of Quebec, Articles 2166-2174; Ethics and Professional Practice (Civil Law) Manual, Section on Scope of Practice.

132. Frage
Janice meets with Patrick, an insurance agent, to review her investment needs. Patrick suggests that she invest in segregated funds. Janice is not familiar with these types of funds.
What information can Patrick provide to Janice to help her understand the advantages of segregated funds?

A. They guarantee protection from creditors.
B. They require medical underwriting.
C. They can be withdrawn anytime.
D. They are fully protected by Assuris.

Antwort: A

Begründung:
One of the significant advantages of segregated funds is creditor protection, which is particularly beneficial for business owners and professionals who may face potential claims from creditors. Under LLQP principles, segregated funds are insurance contracts, and when beneficiaries such as spouses or children are named, the investment may be protected from creditors in the event of bankruptcy or legal action. This makes segregated funds distinct from other investment types, which do not inherently offer creditor protection unless specific trusts or structures are in place.
Option A is incorrect as Assuris provides limited coverage rather than full protection, Option B ispartially true but not unique to segregated funds, and Option D is incorrect as segregated funds typically do not require medical underwriting.

133. Frage
Josephine visits her dentist in downtown Victoria, BC, to have a cavity filled. The procedure costs her $550 but the maximum fee for a standard filling, according to the provincial dental schedule, is $400. Josephine works for a company that offers employees group dental coverage with a yearly maximum of $1,000 and an
80% co-insurance factor.
How much will Josephine receive from the insurer for her procedure?

A. $440
B. $320
C. $0
D. $400

Antwort: B

Begründung:
Josephine's group dental plan pays a percentage (80%) of theprovincial dental schedulefee, not the actual cost.
For her filling, the schedule maximum is $400. Therefore, the insurer will cover 80% of $400, which amounts to $320. Although the procedure costs her $550, her coverage only applies to the schedule rate, meaning she will receive $320 from the insurer, while she covers the remainder out of pocket.

134. Frage
Sebastian is a 44-year-old sales representative employed at Premier Aqua. He wants to take a year off to travel and relax. He has worked for the company for 25 years and accumulated $230,000 in a deferred profit sharing plan (DPSP). He would like to know if he can use some of the funds in his DPSP to fund his sabbatical.

A. Yes, he can withdraw the funds if he wants to.
B. No, the funds can only be transferred to a life income fund (LIF).
C. Yes, he can withdraw the funds if he gets permission from his employer.
D. No, the funds can only be transferred to a locked-in retirement account (LIRA).

Antwort: D

Begründung:
As with most Deferred Profit Sharing Plan (DPSP) funds, Sebastian's accumulated balance is generally locked-in, which means it cannot be withdrawn in cash while still under the plan. Instead, he may transfer it to a Locked-In Retirement Account (LIRA) upon leaving his employment or retiring, ensuring the funds remain tax-deferred. LLQP guidelines state that DPSP funds are generally subject to locking-in provisions, which restrict withdrawals and are specifically aimed at providing retirement income.
Thus, contrary to options A and B, Sebastian cannot withdraw the DPSP funds for discretionary purposes, such as funding his sabbatical, because of these restrictions. Option C is incorrect, as transferring to a Life Income Fund (LIF) would only be appropriate once the funds are in a LIRA, typically when Sebastian is closer to retirement age and ready to begin income withdrawals.

135. Frage
......

Jede Version der IFSE Institute LLQP Prüfungsunterlagen von uns hat ihre eigene Überlegenheit. PDF Version hat keine Beschränkung für Anlage, deshalb können Sie irgendwo die Unterlagen lesen. Wenn Sie Internet benutzen können, die Online Test Engine der IFSE Institute LLQP können Sie sowohl mit Windows, Mac als auch Android, iOS benutzen. Mit Simulations-Software können Sie die Prüfungsumwelt der IFSE Institute LLQP erfahren und bessere Kenntnisse darüber erwerben. Übrigens, Sie dürfen die Prüfungssoftware irgendwie viele Male installieren.

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