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Alan Rose Alan Rose

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試験の準備方法-素敵なLLQP全真問題集試験-更新するLLQP関連資料

LLQPガイド資料の改革に関する専門家の絶え間ない努力により、LLQPテストの準備中に最短時間で集中してターゲットを絞ることができ、複雑で曖昧なコンテンツを簡素化できます。。私たちPassTestのLLQP研究急流の助けを借りて、あなたは同じ時間でより有用な何かをするためにあなたのフラグメント時間を最大限に活用することを学ぶので、あなたはあなたの仲間の労働者よりも独特です。弊社のLLQP模擬テストの上記のすべてのサービスにより、より多くの時間、省エネ、省力化を実現できます。

LLQP試験の質問を理解する限り、受験者にとってより簡単な運用システムが設定されていることがわかります。一度試してみると、LLQP学習教材の自然でシームレスなユーザーインターフェイスがより流fluentになり、最新の開発状況に応じてLLQP学習教材を修正および更新したと感じることができます。理論と実践だけでなく、シラバスの指導のガイダンスで、当社のLLQPトレーニングガイドは、業界の傾向に従って高品質の試験資料を達成しました。

>> LLQP全真問題集 <<

LLQP関連資料 & LLQP模擬試験

当社はPassTest、世界中のLLQP試験トレントコンパイル部門の販売およびアフターサービスを提供する多国籍企業です。さらに、当社はこの分野で一流の企業になりました。そのため、関連するLLQP認定を取得するために試験の準備をしている場合、当社がまとめたLLQPのIFSE Institute試験問題はあなたの堅実なものです。選択。当社の世界中のすべての従業員は、お客様がLLQP試験に合格するための電子的なLLQP試験トレントの最高のグローバルサプライヤになるという共通の使命の下でLife License Qualification Program (LLQP)運営されています。

IFSE Institute LLQP 認定試験の出題範囲：

トピック
出題範囲

トピック 1

傷害および疾病保険: 個人および団体の健康保険を提供する保険専門家を対象としたこのセクションでは、重篤な病気や怪我の場合の経済的保護の重要性を強調しています。

トピック 2

生命保険: このセクションでは、死亡による経済的影響を理解するための、ファイナンシャルアドバイザーや生命保険代理店などの保険専門家の専門知識を評価します。生命保険がこうした経済的ニーズにどのように対処するかを説明し、さまざまな生命保険商品とその特徴や利点を紹介します。

トピック 3

分離型ファンドと年金: 投資アドバイザーとファイナンシャルプランナーを対象としたこのセクションでは、退職と財務計画に不可欠な貯蓄と投資戦略に関する理解を評価します。

トピック 4

倫理と専門的実務: 試験のこの部分は、生命保険専門家の法的および倫理的責任に焦点を当てています。コモンローの州および準州における生命保険の法的枠組みの概要を示し、専門性を維持することの重要性を強調しています。

IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q46-Q51):

質問 # 46
Lily works for Cloud 9 Inc. She earned $120,000 in Year 1 and $125,000 in Year 2. Lily contributes 5% of her income into a defined contribution pension plan (DCPP), and this contribution is matched by the employer. Lily has unused contribution room of $15,000 and wants to know how much she can contribute to her registered retirement savings plan (RRSP) in Year 2.

A. $25,000
B. $30,600
C. $31,250
D. $24,600

正解：D

解説：
Lily's RRSP contribution room is reduced by her DCPP contributions. Her total income for Year 2 was
$125,000, and she contributed 5% ($6,250) to the DCPP, matched by the employer, for a total of $12,500.
The Pension Adjustment (PA) for her DCPP contribution would be $12,500, which reduces her RRSP contribution room.
Calculation:
* RRSP limit based on previous year's income (18% of $120,000): $21,600
* PA reduction: $12,500
* Remaining RRSP contribution room for Year 2: $21,600 - $12,500 = $9,100
* Including her unused contribution room: $9,100 + $15,000 = $24,100
So, Lily can contribute $24,600 to her RRSP in Year 2.

質問 # 47
(Garry, a 55-year-old self-employed individual with no pension or RRSP savings, wants to make his money work for him over the next 10 years before retirement.
Which product would be suitable?)

A. A variable income accrual annuity with deferred payment in 10 years
B. A 10-year immediate term accumulation annuity
C. An accumulation annuity with deferred payment in 10 years
D. A 10-year prescribed payout annuity

正解：C

解説：
Anaccumulation annuityallows Garry tosave and grow his investmentsover the next 10 years withdeferred paymentsstarting at retirement, matching his timeline and retirement goals.
Exact Extract:
"An accumulation annuity is used to accumulate savings over time. Payments commence at a later date specified by the investor (deferred payments)." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.1.2 Accumulation Annuity)

質問 # 48
Gary owns a $500,000 T-20 life insurance policy with an accidental death rider of $250,000. His estate is named as beneficiary. Gary dies when his car falls into a lake. The autopsy shows that he had a heart attack, which caused his death and led to the accident.
What death benefit amount will the life insurance company pay Gary's estate?

A. $750,000, because the accident was caused by the heart attack.
B. $500,000, because the death is due to the heart attack and not the car accident.
C. $750,000, because Gary's death meets the definition of accident in the contract.
D. $500,000, because accidental death cannot be added to term coverage.

正解：B

解説：
Comprehensive and Detailed Explanation From Exact Extract:
The LLQP definesaccidental deathas resultingsolely from accidental means, not from amedical condition.
Since theheart attackwas the proximate cause of death (not the accident itself), the accidental death riderdoes not apply. Only the base $500,000 will be paid.

質問 # 49
Emma, an employee at MagicLand, is part of the company's group registered retirement savings plan (RRSP).
During her tenure, she accumulated over $70,000 in the plan and all of her contributions are invested in segregated funds. She meets with Jun to invest in an individual segregated fund. Jun tells her that there are some differences between group and individual segregated funds.
How are Emma's group segregated funds DIFFERENT from an individual segregated fund?

A. They charge switching fees.
B. They have lower management expense ratios (MERs).
C. They have higher sales charges.
D. They offer death benefit guarantees at a special rate.

正解：B

解説：
Group segregated funds typically have lower Management Expense Ratios (MERs) than individual segregated funds because group plans benefit from economies of scale and pooled investment options. LLQP highlights that group plans often have reduced fees compared to individual plans due to collective investment and reduced administrative costs.
Options A and B are incorrect as group plans typically feature lower costs and don't often charge switching fees. Option C is incorrect as individual segregated funds typically have more flexible death benefit guarantee options, not special rates in group plans.

質問 # 50
Maverick meets with Alyssa, an insurance agent, to review his life insurance needs. After completing the needs analysis, Alyssa suggests that Maverick purchase a $100,000 whole life insurance policy and add a critical illness (CI) benefit rider. Which of the following options is an advantage of adding the CI coverage as a rider instead of purchasing an individual CI policy?

A. It is less expensive than an individual policy.
B. Benefits are paid out as soon as the individual is diagnosed with a covered condition.
C. If he is diagnosed with a debilitating illness that does not endanger his life, he may still receive coverage.
D. It covers more illnesses than an individual policy.

正解：A

解説：
Adding a Critical Illness (CI) rider to a whole life insurance policy is generally less expensive than purchasing a separate individual CI policy because the rider is attached to an existing policy, reducing administrative costs and sometimes providing limited coverage options. While a CI rider may offer a less comprehensive range of covered conditions than a standalone policy, it serves as a cost-effective solution for adding coverage to a primary life insurance policy. Additionally, CI riders often provide a more affordable premium than individual policies, aligning with budget-conscious clients like Maverick.

質問 # 51
......

PassTestのIFSE InstituteのLLQPトレーニング資料は完璧な資料で、世界的に最高なものです。これは品質の問題だけではなく、もっと大切なのは、PassTestのIFSE InstituteのLLQP試験資料は全てのIT認証試験に適用するもので、ITの各領域で使用できます。それはPassTestが受験生の注目を浴びる理由です。受験生の皆様は我々を信じて、依頼しています。これもPassTestが実力を体現する点です。我々の試験トレーニング資料はあなたが買いてから友達に勧めなければならない魅力を持っています。本当に皆様に極大なヘルプを差し上げますから。

Alan Rose Alan Rose

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