Tags: LLQP合格体験記, LLQP受験準備, LLQP過去問, LLQP復習解答例, LLQP PDF
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IFSE Institute LLQP 認定試験の出題範囲:
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LLQP受験準備、LLQP過去問
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IFSE Institute Life License Qualification Program (LLQP) 認定 LLQP 試験問題 (Q111-Q116):
質問 # 111
A few months ago, Urmish filed a complaint to the Autorite des marches financiers (AMF) about the services he received from his insurance agent, Jaba. The complaint was heard by the discipline committee, and Jaba was found guilty and ordered to pay a $10,000 fine. Jaba is upset and does not agree with the verdict. She would like to appeal the verdict.
Which of the following statements is CORRECT?
- A. A decision made by the discipline committee may be appealed to the Chambre de la securite financiere (CSF).
- B. A decision made by the discipline committee may be appealed to the AMF.
- C. A decision made by the discipline committee cannot be appealed.
- D. A decision made by the discipline committee may be appealed to the Court of Quebec.
正解:D
解説:
In the context of Quebec, decisions made by the discipline committee of professional bodies under the authority of the Autorite des marches financiers (AMF) are subject to appeal processes established by Quebec law. The Court of Quebec is the designated body for appeals concerning decisions rendered by disciplinary committees. Specifically, when an insurance agent like Jaba disagrees with the disciplinary action taken by the AMF's discipline committee, the proper channel for appeal is the Court of Quebec, not the AMF, Chambre de la securite financiere (CSF), or any other entity.
The Chambre de la securite financiere (CSF) itself does not serve as an appellate body for these disciplinary decisions but functions as a regulatory body to oversee the ethical and professional conduct of financial services professionals in Quebec. The AMF, while overseeing the financial markets, also does not handle appeals on behalf of its discipline committee.
This appeals process aligns with professional conduct standards and legal recourses as covered under Quebec' s framework for insurance professionals. Under LLQP guidelines and relevant regulations, appeals must proceed through established legal channels, such as the Court of Quebec, ensuring that disciplinary decisions are subject to judicial review when contested.
質問 # 112
Gino, an insurance of persons representative, is cleaning his office and going through old files. He comes across a file from a former client, Nathan, who owned a 20-year term insurance policy that was cancelled 3 years ago. Nathan now has a different representative and Gino no longer has any contact with him. Gino would like to know if he can destroy Nathan's file.
Which of the following options is CORRECT?
- A. Yes, because Nathan cancelled his policy 3 years ago.
- B. No, because he must wait until the file has been closed for at least 7 years.
- C. No, because he must wait until the file has been closed for at least 5 years.
- D. Yes, because Nathan transferred his affairs to another representative.
正解:C
解説:
Insurance records must generally be retained for a minimum period to comply with provincial regulatory requirements, which is often five years from the date of termination. This helps ensure compliance with record-keeping mandates and allows for any legal, financial, or administrative review if needed. Gino is obligated to retain Nathan's file until it has been closed for at least five years, despite the change in representation or policy status.
質問 # 113
Remi owns a registered annuity contract that pays him a $2,500 monthly benefit. He purchased the contract five years ago from money he accumulated in his registered pension plan. At the time, he named his wife Annette as the revocable beneficiary of the contract. Today, he calls Louisa, his insurance agent, to designate his sister as beneficiary of the contract instead. Louisa tells him that there are restrictions on the contract and that he cannot change the beneficiary designation.
Why is Remi unable to make the change?
- A. He did not complete the change of beneficiary form.
- B. The contract was funded by a registered pension plan.
- C. He would first have to obtain his wife's consent to change it.
- D. He is already receiving payments from the contract.
正解:B
解説:
Since Remi's annuity was purchased with funds from his registered pension plan, it is likely subject to locking-in provisions, which restrict changes to the beneficiary designation once annuitized. LLQP guidelines state that pensions converted into registered annuities are generally subject to locking-in rules, which often prevent changes to beneficiary designations unless in cases of spousal consent or specific contractual allowances.
Option B is incorrect, as spousal consent is not relevant when the designation is already restricted. Options A and C are also incorrect, as they do not address the locking-in nature tied to the pension plan.
質問 # 114
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. $30,600
- B. $25,000
- 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 # 115
Ten years ago, Anastasia purchased a $125,000 10-year term renewable life insurance policy. Her insurance need has not changed, and she is still in good health. She asks her insurance agent Raphael what she should do.
- A. Renew her policy and restart the incontestability period.
- B. Renew her current policy at the same rate.
- C. Renew the policy at an increased rate.
- D. Shop around for a better rate.
正解:C
解説:
Term life insurance policies typically allow for renewal at the end of the term, but the premium is recalculated based on the policyholder's age at renewal. Since Anastasia's policy is a 10-year term, and she is now renewing it, her premiums will be higher due to her increased age, despite her good health. The policy will renew without medical underwriting, but it will be at an increased rate. Option A is incorrect, as the rate cannot remain the same. Option C, restarting the incontestability period, may happen but is unrelated to the premium question.Option D, shopping for a better rate, is an option but not directly tied to renewal.Therefore, Option Bis correct.
質問 # 116
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