퍼펙트한LLQP높은통과율시험자료덤프공부자료

그리고 Itcertkr LLQP 시험 문제집의 전체 버전을 클라우드 저장소에서 다운로드할 수 있습니다: https://drive.google.com/open?id=1uc1WhfpSfUnseXlxWT26_QN025IIuwt9

Itcertkr 에서 출시한 제품 IFSE Institute인증LLQP시험덤프는 고득점으로 시험을 통과한 많은 분들이 검증한 완벽한 시험공부자료입니다. IT업계에 몇십년간 종사한 전문가들의 경험과 노하우로 제작된IFSE Institute인증LLQP덤프는 실제 시험문제에 대비하여 시험유형과 똑같은 유형의 문제가 포함되어있습니다.시험 불합격시 불합격성적표로 덤프비용환불신청을 약속드리기에 아무런 우려없이 덤프를 구매하여 공부하시면 됩니다.

IFSE Institute LLQP 시험요강:

주제	소개
주제 1	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.
주제 2	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.
주제 3	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.
주제 4	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.

>> LLQP높은 통과율 시험자료 <<

LLQP완벽한 덤프공부자료 & LLQP최신 업데이트버전 인증덤프

IFSE Institute인증 LLQP시험에 도전하고 싶으시다면 최강 시험패스율로 유명한Itcertkr의 IFSE Institute인증 LLQP덤프로 시험공부를 해보세요. 시간절약은 물론이고 가격도 착해서 간단한 시험패스에 딱 좋은 선택입니다. IFSE Institute 인증LLQP시험출제경향을 퍼펙트하게 연구하여Itcertkr에서는IFSE Institute 인증LLQP시험대비덤프를 출시하였습니다. Itcertkr제품은 고객님의 IT자격증 취득의 앞길을 훤히 비추어드립니다.

최신 Life License Qualification Program LLQP 무료샘플문제 (Q271-Q276):

질문 # 271
Samir applied for a life insurance policy 18 months ago. At the time of the application, he was employed as an accountant. Samir quit his accounting job 6 months ago to become a professional scuba diver.
Which of the following statements about Samir's life insurance policy is CORRECT?

A. Samir is not required to declare his change in occupation because the policy is less than 2 years old.
B. Samir has no obligation to notify the insurer of his change of occupation regardless of how old the policy is.
C. Regardless of whether Samir informs his insurer of his change in occupation, if he dies while scuba diving, he would not be covered.
D. Samir must inform his insurer about his change of occupation within 6 months of the change.

정답：B

설명：
In life insurance policies, once the policy is issued, the insured does not need to notify the insurer of any changes in occupation. The premiums and coverage are based on the occupation and risk profile at the time of application, and life insurance contracts do not generally require updates on occupational changes unless explicitly stated.
Therefore, regardless of Samir's current job as a scuba diver, his life insurance policy remains in force without the need for notification to the insurer. This is different from disability insurance, which may consider occupation changes to reassess risk and benefits.

질문 # 272
(Business owner Timothy is reviewing information that his life insurance agent provided for him to establish a group savings plan for his employees. Timothy then meets the agent for some advice. He wants to avoid having to deal with pension credit adjustments.
Which of the following types of plans would meet this requirement?)

A. GRRSPs and group TFSAs.
B. GRRSPs and DPSPs.
C. Group TFSAs and DCPPs.
D. Group TFSAs and DPSPs.

정답：A

설명：
Timothy wants toavoid pension adjustments, which occur with formal pension plans.Group RRSPsand Group TFSAsare not pension plans, so they do not generate a pension credit (adjustment), unlike DPSPs or DCPPs.
Exact Extract:
"GRRSPs and TFSAs are not registered pension plans and thus do not result in pension adjustments against the employee's RRSP contribution room." (Reference:Segfunds-E313-2020-12-7ED, Chapter 1.3.11 Group Plans#49:3†Segfunds-E313-2020-12-7ED.
pdf**)

질문 # 273
Frankie is a newly licensed insurance of persons agent who meets with Walter, her father's friend since college. Walter is in his late forties, and he mentions that he would like to purchase a life insurance policy and start planning for his retirement. Frankie has never sold a segregated fund before. Not wanting to disclose her inexperience, she clumsily fills out the application form to invest in segregated funds. Which responsibility did Frankie breach?

A. Competence
B. Integrity
C. Product suitability
D. Disclosure

정답：A

설명：
By attempting to sell a segregated fund product without adequate knowledge or experience, Frankie breached her duty of competence. LLQP guidelines emphasize the importance of competence, requiring agents to have sufficient knowledge of the products they recommend to clients to ensure that they are acting in the client's best interest. Frankie's failure to disclose her inexperience could potentially lead to errors that might adversely affect Walter, highlighting her lack of preparation and professional responsibility.

질문 # 274
Larissa is a 65-year-old retired marketing executive. She is single and has no dependents. Larissa accepted a generous retirement package from her employer five years ago and used her early retirement cash bonus to consolidate her financial affairs. She paid off mortgages on both her principal residence (a condo) and her vacation cottage. The fair market value (FMV) of the real estate increased significantly over the years. She named her sister Natalya as the sole beneficiary of her estate. In addition to the two properties, Larissa's estate includes a registered retirement savings plan (RRSP) and shares of Apple Inc. that she purchased in her tax- free savings account (TFSA) 10 years ago. If Larissa were to pass away today, which of her assets would be fully taxable on her final income tax return?

A. The RRSP.
B. The cottage.
C. The condo.
D. The TFSA.

정답：A

설명：
When Larissa passes away, her RRSP will be fully taxable on her final income tax return, as it is considered income in the year of death unless rolled over to a qualified beneficiary, such as a spouse. Her TFSA, on the other hand, is not taxable upon death as it passes tax-free to the beneficiary or estate. The principal residence (condo) and cottage may incur capital gains tax, but they are not fully taxable as income.Therefore,Option D, the RRSP, is correct.

질문 # 275
Brian is a machinist. For the past seven years, he's worked for a company that offers a group benefits plan.
Under that plan, the premiums for long-term disability coverage are entirely paid by the employees. Last year, an injury forced Brian to stop working for eight months. After a four-month waiting period, during which he collected Employment Insurance (EI) benefits, Brian received long-term disability (LTD) benefits from the group plan's insurer. Brian is now preparing his income tax return and wonders about the tax implications of the different benefits he received while on disability. What statement accurately describes the tax treatment of Brian's EI and LTD benefits?

A. The EI benefits are taxable income, the LTD benefits are tax-free.
B. The EI benefits are tax-free, the LTD benefits are taxable income.
C. Both the EI benefits and LTD benefits are taxable income.
D. Both the EI benefits and LTD benefits are tax-free.

정답：A

설명：
Comprehensive and Detailed Explanation:
EI benefits are taxable as income under Canadian law. LTD benefits are tax-free if the employee pays 100% of the premiums, as in Brian's case (Chapter 8:Group Plan Specifics).
Option A: Incorrect; LTD is tax-free here.
Option B: Correct; EI taxable, LTD tax-free.
Option C: Incorrect; EI is taxable.
Option D: Incorrect; EI is taxable.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.

질문 # 276
......

Itcertkr연구한 전문IFSE Institute LLQP인증시험을 겨냥한 덤프가 아주 많은 인기를 누리고 있습니다. Itcertkr제공되는 자료는 지식을 장악할 수 있는 반면 많은 경험도 쌓을 수 있습니다. Itcertkr는 많은 IT인사들의 요구를 만족시켜드릴 수 있는 사이트입니다. 비록IFSE Institute LLQP인증시험은 어렵지만 우리Itcertkr의 문제집으로 가이드 하면 여러분은 아주 자신만만하게 응시하실 수 있습니다. 안심하시고 우리 Itcertkr가 제공하는 알맞춤 문제집을 사용하시고 완벽한IFSE Institute LLQP인증시험 준비를 하세요.

LLQP완벽한 덤프공부자료: https://www.itcertkr.com/LLQP_exam.html

Itcertkr LLQP 최신 PDF 버전 시험 문제집을 무료로 Google Drive에서 다운로드하세요: https://drive.google.com/open?id=1uc1WhfpSfUnseXlxWT26_QN025IIuwt9

Ted Long Ted Long

Biography

퍼펙트한LLQP높은통과율시험자료덤프공부자료

IFSE Institute LLQP 시험요강:

LLQP완벽한 덤프공부자료 & LLQP최신 업데이트버전 인증덤프

최신 Life License Qualification Program LLQP 무료샘플문제 (Q271-Q276):

Archives