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| Certification Vendor: | IFSE Institute |
|---|---|
| Exam Name: | Life License Qualification Program (LLQP) |
| Exam Number: | LLQP |
| Real Exam Qty: | 110-140 |
| Certificate Validity Period: | 1 year to apply for licence after first pass |
| Related Certifications: | Life Insurance Agent Licence Accident and Sickness Insurance Licence |
| Exam Duration: | 75 per module |
| Passing Score: | 60% |
| Exam Format: | Scenario-Based, Multiple Choice |
| Exam Price: | USD 0 |
| Available Languages: | French, English |
| Sample Questions: | IFSE Institute LLQP Sample Questions |
| Exam Way: | Online proctored and in-person testing |
| Pre Condition: | Completion of an approved LLQP certification course and possession of a CIPR number are required before taking the exam. |
| Official Syllabus URL: | https://www.fsrao.ca/licensing/life-and-accident-sickness-agent/life-licence-qualification-program-llqp |
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NEW QUESTION # 264
Josephine visits her dentist in downtown Victoria, BC, to have a cavity filled. The procedure costs her $550 but the maximum fee for a standard filling, according to the provincial dental schedule, is $400. Josephine works for a company that offers employees group dental coverage with a yearly maximum of $1,000 and an
80% co-insurance factor.
How much will Josephine receive from the insurer for her procedure?
Answer: C
Explanation:
Josephine's group dental plan pays a percentage (80%) of theprovincial dental schedulefee, not the actual cost. For her filling, the schedule maximum is $400. Therefore, the insurer will cover 80% of $400, which amounts to $320. Although the procedure costs her $550, her coverage only applies to the schedule rate, meaning she will receive $320 from the insurer, while she covers the remainder out of pocket.
NEW QUESTION # 265
Josh is a successful insurance agent with Smart Insurance Inc. who mentors new agents and gives them tips on how to increase their client base. He tells Clarence, a new agent, that he should send an email to close friends and family members to explain the services that he now offers. Clarence is worried about sending unsolicited promotional emails because Firash, the compliance manager, had told him that the practice is not allowed. What legislation was Firash correctly referencing?
Answer: D
Explanation:
Canada's Anti-Spam Legislation (CASL) regulates the sending of commercial electronic messages (CEMs) without the recipient's consent. CASL requires explicit consent before sending unsolicited promotional emails, even to friends and family, if the messages are for commercial purposes. Clarence's concern about compliance with CASL is valid, as sending unsolicited emails could result in penalties for violating this legislation.
PIPEDA and the Privacy Act relate to privacy and personal information protection but do not specifically address unsolicited electronic communications.
NEW QUESTION # 266
Becky opened a small bakery five years ago. Although she struggled at first, her business hasbecome increasingly successful. Until recently, she only had two full-time employees, but now she hired two more and relocated the store to a busier street. The rent is higher, and so are the profits. As the bakery expands, however, Becky is becoming increasingly concerned about what would happen to it if she became unable to work-even for just a few months-due to an illness or an injury. Which one of the following options would most suitably protect Becky's business against such a risk?
Answer: D
Explanation:
Comprehensive and Detailed Explanation:
Business overhead expense (BOE) insurance covers fixed business costs (e.g., rent, salaries) during the owner' s disability, keeping the bakery operational (Chapter 5:Insurance to Protect Businesses).
Option A: Correct; BOE fits her concern for short-term business continuity.
Option B: Incorrect; buyout insurance is for partnership dissolution.
Option C: Incorrect; personal disability covers income, not business expenses.
Option D: Risky; self-funding depletes savings.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 5:Insurance to Protect Businesses.
NEW QUESTION # 267
Ontario residents, Juan and Maria, are a married couple approaching retirement. They have asked their representative, Carlow, to review the details of Maria's defined benefit plan (DBPP).
Which of the following statements about Maria's pension is CORRECT?
Answer: D
Explanation:
In Ontario, the pension legislation stipulates that a spouse is entitled to receive a minimum of 50% of the member's pension benefits as a survivor benefit if the member dies. This applies to defined benefit pension plans (DBPP), which provide a predetermined benefit upon retirement. Therefore, as the spouse of Maria, Juan would be entitled to receive at least half of Maria's pension upon her death, as specified by Ontario pension regulations. This survivor benefit is a guaranteed right and requires consent from both spouses for any reduction or waiver. Options C and D are incorrect as Ontario law mandates a minimum 50% survivor benefit without provision for reduction to 25%, and Juan's entitlement is tied to their marital status and statutory rights, which may not apply if they are separated or divorced at the time of Maria's death. Option A is incorrect because Ontario legislation does not provide for an increased benefit by waiving the survivor benefit.
NEW QUESTION # 268
France is a daycare owner who has an employer group benefits plan in place for her employees. During her annual renewal meeting with her insurance agent, she is told that the plan's rates are increasing by a surprisingly large percentage. Her agent explains that although most of her staff are young females in their
20s, the claims experience is higher than the industry norm. What amendment to the group plan could France' s agent suggest to help control the cost?
Answer: A
Explanation:
Comprehensive and Detailed Explanation:
Adding deductibles and co-insurance shifts costs to employees, reducing claims and premiums (Chapter 8:
Group Plan Specifics).
Option A: Limits coverage scope, not claims.
Option B: Discriminatory; impractical.
Option C: Correct; effective cost control.
Option D: Reduces value, not optimal.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 8:Group Plan Specifics.
NEW QUESTION # 269
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