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IFSE Institute LLQP Exam Syllabus Topics:

Topic	Details
Topic 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.
Topic 2	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.
Topic 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.
Topic 4	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.

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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q21-Q26):

NEW QUESTION # 21
Benjamin is a financial security advisor working for the Larson Group. He is following a mandatory compliance training session given by Andrew, the compliance manager. Andrew explains the importance of following the Chambre de la securite financiere code of ethics, and Benjamin would like to know to whom the code of ethics applies.
What is Andrew's CORRECT response?

A. Financial security advisors and their administrative assistants.
B. Financial planners and financial security advisors.
C. Damage insurance agents and accident and sickness insurance representatives.
D. Claims adjusters and group insurance plan advisors.

Answer: B

Explanation:
The Chambre de la securite financiere code of ethics applies specifically to financial security advisors and financial planners in Quebec. This code outlines the professional conduct required of those working within the financial services industry who advise clients on security products. Administrative assistants, claims adjusters, and damage insurance agents do not fall under the purview of the CSF code of ethics as they are regulated under different professional codes or by different oversight organizations.

NEW QUESTION # 22
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 is already receiving payments from the contract.
D. He would first have to obtain his wife's consent to change it.

Answer: B

Explanation:
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.

NEW QUESTION # 23
(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?)

A. Who Kara wants to list as beneficiary.
B. The rate of return Kara wants for her investment.
C. How liquid Kara needs her investment to be.
D. Whether Kara would like to duplicate what her cousin has.

Answer: C

Explanation:
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)

NEW QUESTION # 24
(Ted purchased an IVIC 10 years ago. His original deposit was $10,000. The current market value is
$15,500 at maturity.
What will the new maturity guarantee be?)

A. $11,625, and the new maturity date will depend on Ted's age.
B. $15,500, and the new maturity date will depend on Ted's age.
C. $12,000, with the new maturity date set 10 years from now.
D. $10,000, with the new maturity date set 10 years from now.

Answer: B

Explanation:
Upon maturity,the new guarantee becomes the current market value, andthe new maturity date is based on contract terms, often depending on the ageof the client or a specific reset term.
Exact Extract:
"When a segregated fund contract matures, the new guarantee is based on the current market value, and a new maturity date is set according to the client's age or the insurer's terms." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.1.2 Growth Secured by Reset#45:0†Segfunds-E313-
2020-12-7ED.pdf**)

NEW QUESTION # 25
Gary owns a $500,000 T-20 life insurance policy with an accidental death rider of $250,000. His estate is named as beneficiary. Gary dies when his car falls into a lake. The autopsy shows that he had a heart attack, which caused his death and led to the accident.
What death benefit amount will the life insurance company pay Gary's estate?

A. $750,000, because the accident was caused by the heart attack.
B. $750,000, because Gary's death meets the definition of accident in the contract.
C. $500,000, because the death is due to the heart attack and not the car accident.
D. $500,000, because accidental death cannot be added to term coverage.

Answer: C

Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
The LLQP defines accidental death as resulting solely from accidental means, not from a medical condition. Since the heart attack was the proximate cause of death (not the accident itself), the accidental death rider does not apply. Only the base $500,000 will be paid.

NEW QUESTION # 26
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