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| Certification Vendor: | IFSE Institute |
|---|---|
| Exam Name: | Life License Qualification Program Examination |
| Exam Number: | LLQP |
| Certificate Validity Period: | Varies by provincial regulator; typically requires ongoing continuing education for license maintenance |
| Exam Format: | Computer-Based Exam, Proctored Online or In-Centre, Multiple Choice Questions (MCQ) |
| Exam Price: | CAD 100–150 per module (varies by province/provider) |
| Real Exam Qty: | Approximately 80–100 per module |
| Passing Score: | 60%–70% (varies by jurisdiction and module) |
| Available Languages: | English, French |
| Exam Duration: | 120–180 per module |
| Related Certifications: | Life Insurance License Accident & Sickness Insurance License Segregated Funds and Annuities License |
| Recommended Training: | IFSE LLQP Training Program |
| Exam Registration: | IFSE LLQP Program Registration Ontario FSRA Licensing Information |
| Sample Questions: | IFSE Institute LLQP Sample Questions |
| Exam Way: | Computer-based proctored exam delivered online or at authorized testing centres depending on province |
| Pre Condition: | No formal prerequisite, but completion of LLQP course modules is required before examination eligibility in most provinces |
| Official Syllabus URL: | https://www.ifse.ca |
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36. Frage
(Kara's uncle recently passed away, leaving her an inheritance. Since Kara does not hold any investment account and is not sure what to do with this unexpected influx of money, her cousin referred her to his own financial advisor.
What information should the advisor first seek to obtain from Kara to begin developing an investment strategy that meets her needs?)
Antwort: B
Begründung:
To create an appropriate investment strategy, the advisor must understand Kara'sliquidity needs- how easily and quickly she might need to access her money without significant loss. Liquidity considerations are fundamental when setting up an investment plan, especially for someone without prior investments and an uncertain timeline for using the funds.
Exact Extract:
"Liquidity refers to the ability to access funds readily and should always be assessed in determining appropriate investment recommendations." (Reference:Segfunds-E313-2020-12-7ED, Chapter 1.1.2.5 Liquidity)
37. Frage
Which organization provides protection for holders of segregated fund contracts in Canada if the insurer becomes insolvent?
Antwort: C
Begründung:
Assuris provides protection to Canadian policyholders, including holders of segregated fund contracts, if their insurance company becomes insolvent. Assuris is a not-for-profit organization that safeguards policyholders by ensuring that they continue to receive guaranteed benefits within specified limits. This organization is essential for maintaining confidence in the Canadian insurance industry, offering peace of mind to policyholders that their segregated fund contracts are protectedunder such circumstances. Neither the Canadian Deposit Insurance Corporation nor the OmbudService for Life & Health Insurance provides this specific type of insolvency protection for segregated funds.
38. Frage
(Eric, aged 28, currently works for an accounting firm. He still lives with his parents but is saving to buy a place of his own. Seven years ago, his grandparents gave him a significant cash gift following his college graduation. He deposited it into a segregated fund that invests in the natural resources sector.
However, real estate prices are rapidly increasing. Eric is concerned that if he does not buy a place in the next three to five years, it might become altogether unaffordable. In addition, the shares of the segregated fund he holds have seen a sharp drop in market value two years ago and they have not recovered yet.Eric questions his current choice of investment and asks his life insurance agent if he should switch to a different type of segregated fund.
What should the agent recommend?)
Antwort: A
Begründung:
Eric has ashorter time horizon (3-5 years)and needs alower-risk, more diversifiedinvestment approach suitable for saving for a house. Abalanced fundspreads investments across stocks and bonds, helping reduce risk compared to the high volatility of a single-sector natural resources fund.
Exact Extract:
"Balanced funds combine equity and fixed-income investments to reduce portfolio volatility, providing moderate growth for investors with medium-term objectives." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.2.5 Balanced Funds#49:1 Segfunds-E313-2020-12-
7ED.pdf**)
39. Frage
Jane took out a $100,000 Term 20 life insurance policy on herself when she got her first baby. She does not work and has no group insurance coverage. Five years later, she got another two newborn babies and needed greater insurance coverage to support her children financially in case of her own death. Jane talked to her insurance agent about having more coverage and, rather than having multiple policies, she decided to have one policy for the total coverage amount. She made an application to the life insurance company to change the coverage from $100,000 to $300,000. She is still in good health and the request for change has been approved.
One year later, Jane took her own life after losing her husband in a tragic car accident. Based on the situation, how will the insurance company pay out the claim?
Antwort: C
Begründung:
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)notes that life insurance policies include a suicide clause, typically denying benefits if suicide occurs within two years of the policy's issue or a significant change (e.g., coverage increase). Jane's original $100,000 policy was in force for over five years, beyond the two-year suicide exclusion. The increase to $300,000, approved one year before her suicide, restarts the exclusion for the additional $200,000. Thus, only the original $100,000-past its exclusion period-is payable. A (arbitrary limit) and C (full payout) misapply the clause, and D (no benefit) ignores the original coverage's duration. B is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 2: Insurance Contracts, Section on
"Suicide Clause and Policy Changes."
40. Frage
(Ulysses, aged 35, is a risk taker who likes to concentrate investments in specific industries expecting higher returns long term.
Which feature of segregated funds will be most appealing to Ulysses?)
Antwort: B
Begründung:
Resetsallow theguaranteed amountof a segregated fund contract to beadjusted upwardto lock in market gains. This feature is highly attractive for risk-tolerant investors like Ulysses because it secures gains without sacrificing the original guarantee.
Exact Extract:
"Resetting the maturity and death benefit guarantees upward allows investors to lock in market gains, which can appeal to those investing in volatile, high-risk sectors." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.1.2 Growth Secured by Reset)
41. Frage
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