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313. Frage
Coraline owns a $250,000 whole life insurance policy. She purchased the policy last year and does not have any funds accumulated in her cash surrender value (CSV). On December 30, Coraline assigns the policy to the cancer foundation, and she plans on continuing to pay the $200 monthly premium. Coraline calls her accountant James to ask him how much of her donation she will be able to use to obtain a charitable tax credit this year.
Antwort: C
Begründung:
When Coraline assigns her whole life insurance policy to a charitable organization, she can claim the entire policy's fair market value as a charitable donation for tax credit purposes, which is generally the death benefit if there is no significant accumulated cash value. Since Coraline continues to pay the premiums, the policy remains in force. Thus, she can claim the$250,000face value of the policy as her charitable donation, which is eligible for a tax credit. Monthly premium amounts (Options B and C) or a lack of CSV (Option A) do not limit her eligibility for the credit based on the policy's value.Therefore,Option Dis correct.
314. Frage
Rene, age 39, is a framing carpenter at a company that builds doors and windows. He has group disability insurance equivalent to 60% of his annual salary, which is $70,000. His monthly living expenses are $3,500.
Since he has no pension plan at work, Rene has enrolled in an individual RRSP through payroll deductions ($1,000 per month). His RRSP savings currently amount to $45,000. In addition, Rene has $10,000 in a non- registered savings account. What should Rene's life insurance agent advise him?
Antwort: B
Begründung:
Comprehensive and Detailed Explanation:
Rene's salary is $70,000/year, and his group disability insurance provides 60% of this, or $42,000/year ($70,000 × 0.60), equating to $3,500/month ($42,000 ÷ 12). His monthly expenses are $3,500, so this just covers his needs if disabled. However, the LLQP stresses considering unexpected expenses (e.g., medical costs, inflation) beyond basic living expenses (Chapter 2:Insurance to Protect Income).
RRSP contribution: $1,000/month, savings: $45,000 (registered) + $10,000 (non-registered).
40% of salary = $70,000 × 0.40 = $28,000/year or $2,333/month.
Option A: Incorrect; $3,500/month matches expenses but leaves no buffer for unforeseen costs.
Option B: Incorrect; RRSPs are for retirement, not disability liquidity, and don't enhanceimmediate protection.
Option C: $1,000/month additional coverage is arbitrary and insufficient for 40% of salary; it doesn't align with needs analysis.
Option D: Correct; 40% of salary ($2,333/month) on top of $3,500 provides $5,833/month, offering a safety net for unexpected expenses, consistent with LLQP's holistic protection approach (Chapter 6:Client Profile).
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 2:Insurance to Protect Income, Chapter 6:
Client Profile.
315. Frage
Abraham lives in Alberta. He meets with a life insurance agent to discuss the purchase of an individual extended health insurance plan. Abraham is interested in a plan that would cover him, his wife, and their two young children. Here are some of the features of the plan that most closely meets Abraham's needs:
prescription drug coverage with a $50 annual deductible and 80% co-insurance, and dental coverage with a
$100 deductible and 70% co-insurance on preventative services. However, Abraham asks the agent to present a plan with a cheaper premium. What changes would the agent have to consider in order to present a plan with a lower premium than the one described above?
Antwort: B
Begründung:
Comprehensive and Detailed Explanation:
Lower premiums result from higher deductibles (more out-of-pocket cost) and lower co-insurance (less insurer payout) (Chapter 7:Insurance Recommendation, Contract, and Service Needs).
Current: Drugs ($50 deductible, 80% co-insurance), Dental ($100 deductible, 70% co-insurance).
Option A: Lower drug deductible increases premiums; only half-correct.
Option B: Lower deductibles and co-insurance increase premiums; incorrect.
Option C: Correct; higher deductibles and lower co-insurance reduce premiums.
Option D: Lower deductibles raise premiums; incorrect.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 7:Insurance Recommendation, Contract, and Service Needs.
316. Frage
Alana, Meaghan, and Beatrice are equal shareholders of Advanced Tech Inc. They each own 100 shares of the company. Each share is currently worth $5,000. They recently signed a cross-purchase buy-sell agreement that is funded by life insurance. What will happen under this agreement if Alanadies today?
Antwort: A
Begründung:
In a cross-purchase buy-sell agreement funded by life insurance, each shareholder purchases a life insurance policy on the lives of the other shareholders. Upon the death of a shareholder, the surviving shareholders use the proceeds from the insurance to buy out the deceased shareholder'sshares at the agreed value. Since each share is valued at $5,000, Alana's 100 shares would be worth:
100 shares×5,000=500,000100 \text{ shares} \times 5,000 = 500,000100 shares×5,000=500,000 Thus, Meaghan and Beatrice would collectively purchase Alana's shares from her estate, providing her estate with a total of$500,000. Each surviving shareholder will then own an additional 50 shares, resulting in each now holding 150 shares of Advanced Tech Inc. This option aligns with the principles of cross-purchase agreements discussed in the LLQP.
317. Frage
Maxine meets with Toshiko, an insurance agent for United Life, to purchase a $10 million universal life insurance policy. Once United Life reviews Maxine's file, they agree to insure her for $3 million. United Life then contacts Extra Life Company, who agrees to insure Maxine for the additional $7 million. Toshiko asks his supervisor Bob how the death benefit will be paid to Maxine's beneficiary when she dies.
Antwort: C
Begründung:
In cases where multiple insurers are involved in covering a large sum assured, it is common practice for each insurer to pay their respective portion of the death benefit directly to the beneficiary. Here, United Life insures $3 million and Extra Life insures the remaining $7 million. Upon Maxine's death, each company is responsible for paying out their portion, meaning United Life will pay $3 million and Extra Life will pay $7 million directly to the beneficiary. Assuris, mentioned in Option D, is an industry-backed entity that provides protection in case of an insurer's insolvency but does not issue death benefits.
318. Frage
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