最新なIFSE Institute LLQP問題集（300題）、真実試験の問題を全部にカバー！

質問 1：
Harper owns a disability insurance policy that will pay her a monthly benefit if she becomes unable to work.
At the time she applied for the policy, Harper was a new graduate with an annual income of $60,000, and she qualified for a monthly benefit of $3,000. Instead of taking the maximum benefit, she focused on paying off her student loans and keeping her insurance premiums low. She elected to purchase a monthly benefit of
$2,500 and add the future purchase option (FPO) rider for up to $500 a month of additional coverage. Now she is further along in her career, Harper earns $100,000 a year, and she meets with her insurance agent Trish to increase her coverage. Harper would like her new monthly benefit to be $5,000.
Which of the following statements about Harper's coverage is TRUE?
A. Harper can exercise the FPO, increase her monthly benefit by $500, and apply for an additional $2,000 of monthly benefit with full medical underwriting.
B. Harper can exercise the FPO and increase her monthly benefit by $2,500.
C. Harper cannot apply to receive an additional $2,000 of coverage, but she can exercise the FPO and increase her monthly benefit by $500.
D. If Harper wants to increase her coverage, she will have to apply for an additional $2,500 of monthly benefit with full medical underwriting.
正解：A
解説: (Pass4Test メンバーにのみ表示されます)

質問 2：
Jean, who is in business, would like to understand why his segregated funds, which resemble mutual funds, allow this type of asset to be sheltered from creditors. How should Patrice, his financial security advisor, answer?
A. The reason is that segregated funds are governed by the AMF's Guideline on Individual Variable Insurance Contracts Relating to Segregated Funds, which states that these products are exempt from seizure
B. The reason is that anything offered by a life insurer can be exempt from seizure if a beneficiary is designated, except for contributions in the last year
C. The reason is that segregated funds are offered through an annuity policy, and by law, annuities offer a certain measure of protection if the beneficiary is the legal spouse or the policyholder's ascendant or descendant, or an irrevocable beneficiary
D. The reason is that mutual funds do not offer a guarantee and it's the guarantee offered by segregated funds, which ensures it is an insurance contract and which therefore allows funds to be free from creditors
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 3：
Arianna has been an insurance agent with Ideal Life for over 15 years, always working hard to grow her client base and keep her existing clients happy. Last week, she prepared an elaborate insurance plan for Raphael, a potential new client. But when they meet, Raphael tells her he wants a second opinion. Arianna tells him that she cannot allow him to show or discuss details of her work with a potential competitor. She explains it's wrong for another agent to benefit from her work and knowledge.
Which of the following standards of conduct did Arianna contravene?
A. Duties and obligations towards the public.
B. Duties and obligations towards the profession.
C. Duties and obligations towards other representatives, firms, independent partnerships, insurers and financial institutions.
D. Duties and obligations towards clients.
正解：C
解説: (Pass4Test メンバーにのみ表示されます)

質問 4：
Paola, an employee at Horizon Pharmaceuticals, was recently diagnosed with depression. She is unable to work and is receiving tax-free disability insurance benefits due to her condition. Paola is deeply indebted, and her creditors have been garnishing a portion of her pay for the last year. She is worried about her creditors also garnishing her disability benefit.
Can her disability benefits be seized by her creditors?
A. Yes, but creditors can only seize up to 50% of her benefit.
B. No, because she is disabled.
C. Yes, disability insurance benefits are seizable.
D. No, because the benefits are tax-free.
正解：B
解説: (Pass4Test メンバーにのみ表示されます)

質問 5：
Financial security advisor Juliette meets Pierre during a business meeting. Pierre gives her the name of a prospect, one of his friends. Juliette wants to start by contacting the prospect by email, then plans to follow up with a phone call to set up an appointment. Why should Juliette cease to proceed in this manner with her prospect?
A. Pierre must contact his friend to set up an appointment with Juliette
B. Juliette has not first contacted the prospect to obtain his consent
C. Canada's Anti-Spam Legislation prohibits all email solicitation
D. Juliette must meet Pierre and his friend together
正解：B
解説: (Pass4Test メンバーにのみ表示されます)