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Tech4Examは生徒を常に惹きつけ、IFSE Institute熱心な顧客からの世界的なフィードバックの進歩に情熱を移します。LLQP試験で彼らが夢をかなえるためにこの分野でナンバーワンであることを証明します。 LLQP試験問題の質の高さを保証しているため、LLQP練習教材はより優れた教育効果をもたらします。 また、学習の後方情報の蓄積が生徒に大きな負担を感じさせる代わりに、最新のLLQPのLife License Qualification Program (LLQP)試験ガイドは、あらゆる種類の生徒の有効性または正確性のニーズを満たすことができます。
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質問 # 255
(Garry, a 55-year-old self-employed individual with no pension or RRSP savings, wants to make his money work for him over the next 10 years before retirement.
Which product would be suitable?)
正解：C
解説：
Anaccumulation annuityallows Garry tosave and grow his investmentsover the next 10 years withdeferred paymentsstarting at retirement, matching his timeline and retirement goals.
Exact Extract:
"An accumulation annuity is used to accumulate savings over time. Payments commence at a later date specified by the investor (deferred payments)." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.1.2 Accumulation Annuity)
質問 # 256
(Clara is saving for a house and will likely need her money within a year. She seeks a segregated fund with minimal penalties for quick access.
Which sales charge should Irving recommend?)
正解：D
解説：
Ano-loadsegregated fund hasno sales charge on entry or exit, making it ideal for short-term investment needs. Clara would retain full liquidity without penalties.
Exact Extract:
"No-load segregated funds allow investors to redeem their units without incurring a sales charge, making them ideal for investors who may require liquidity within a short timeframe." (Reference:Segfunds-E313-2020-12-7ED, Chapter 2.3.2.3 No Sales Charge)
質問 # 257
Elizabeth has a universal life policy and has been diligent in funding it over the last several years. As a part of this, the investment account within the policy has done quite well. Elizabeth met with her financial advisor as she would like a refresher on the benefits of the accumulating fund, as it has been a while since they last discussed this; flexibility with and access to cash flow are important to her as she would like to use this as part of her retirement planning in the future.
What benefits of the accumulating account apply to Elizabeth's situation?
正解：A
解説：
Comprehensive and Detailed Explanation From Exact Extract:
Universal Life policies offer flexible features including:
* Withdrawalsfrom accumulated funds.
* Premium offsetsusing account value.
Reference: Insurance Study Guides Chinese.pdf, Universal Life Features and Cash Access
質問 # 258
Zaid married Baheya five years ago in Montreal. A year later, Zaid purchased two individual term-life insurance policies, one on his life and the second on Baheya's life, each with a death benefit of $250,000. The marriage didn't last long, and the couple divorced shortly thereafter. Baheya went on to marry Omar, and the new couple had a baby together, named Darwish.
Last week, Baheya died in a car accident. While settling her estate, Omar discovered that no beneficiary was designated on Baheya's life insurance policy.
To whom will Baheya's death benefit be paid?
正解：C
解説：
In the absence of a designated beneficiary, the proceeds of a life insurance policy are generally paid to the estate (succession) of the deceased, in this case, Baheya. Quebec law stipulates that without a specific beneficiary, the policy death benefit becomes part of the deceased's estate and is distributed according to her will or intestate succession laws. Since Baheya did not name a beneficiary, the death benefit will be managed within her estate rather than automatically passing to Zaid, Omar, or their child.
質問 # 259
(Gregory and Vanessa married at an early age and had three children, who are now in their forties:
Eve, Rick and Max. When the couple retired five years ago, they purchased a joint life annuity. They also had a will drawn up naming the three children as equal beneficiaries of their estate. The will specifies that Eve will act as executor of the estate.
Last week, Gregory and Vanessa both died in a car accident.
Who could make a death claim as regards the annuity?)
正解：C
解説：
Since Gregory and Vanessa bought a joint life annuity without mention of a guarantee period, the annuity would cease payments upon the death of the second annuitant. Therefore, no death claim can be made on the annuity.
Exact Extract:
"In a joint life annuity with no guarantee period, payments stop upon the death of the second annuitant. No death benefit is payable." (Reference: Segfunds-E313-2020-12-7ED, Chapter 3.2.2.2 Joint Life Contract#53:3 Segfunds-E313-2020-
12-7ED.pdf**)
質問 # 260
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