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| Certification Vendor: | IFSE Institute |
|---|---|
| Exam Name: | Life License Qualification Program Examination |
| Exam Number: | LLQP |
| Passing Score: | 60%–70% (varies by jurisdiction and module) |
| Real Exam Qty: | Approximately 80–100 per module |
| Related Certifications: | Segregated Funds and Annuities License Life Insurance License Accident & Sickness Insurance License |
| Exam Price: | CAD 100–150 per module (varies by province/provider) |
| Available Languages: | French, English |
| Exam Duration: | 120–180 per module |
| 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) |
| 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 |
所有的IFSE Institute職員都知道，LLQP認證考試的資格是不容易拿到的。但是，參加LLQP認證考試獲得資格又是提升自己能力以及更好地證明自己的價值的途徑，所以不得不選擇。那麼，難道沒有一個簡單的方法可以讓大家更容易地通過IFSE Institute認證考試嗎？當然有了。Fast2test的考古題就是一個最好的方法。Fast2test有你需要的所有資料，絕對可以滿足你的要求。你可以到Fast2test的网站了解更多的信息，找到你想要的考试资料。
| 主題 | 簡介 |
|---|---|
| 主題 1 |
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| 主題 2 |
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| 主題 3 |
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| 主題 4 |
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問題 #27
(Jim is buying a life annuity with insurance settlement money due to a disabling accident. He declines a guarantee period to maximize monthly payments.
Which of the following must the agent be sure to note on the application?)
答案：B
解題說明：
Since Jim is buying the annuity for himself and will receive the payments,he must be named as the annuitanton the application.
Exact Extract:
"The annuitant is the person on whose life the annuity is based and who is entitled to receive the periodic payments. In this case, it must be Jim." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.2 Lives Covered#45:2†Segfunds-E313-2020-12-7ED.
pdf**)
問題 #28
(Anthony, 26, wants to invest $500 but be able to cash it in anytime without fees and wants capital protection.
What investment should the insurance agent recommend?)
答案：C
解題說明：
Aredeemable GICofferscapital protectionandeasy liquidity(ability to cash out without penalties), making it the best fit for Anthony's priorities.
Exact Extract:
"Redeemable GICs allow investors to cash in before maturity without significant penalties, while preserving the invested capital." (Reference:Segfunds-E313-2020-12-7ED, Chapter 1.3.6 Guaranteed Investment Certificates (GICs))
問題 #29
Nine months ago, Osvaldo was instructed by his insurance agent, Jane, to write a cheque to renew his life insurance. Jane put the cheque in her wallet. She lost her wallet the very same day and completely forgot about Osvaldo's payment. Some time later, Osvaldo died in a tragic car accident. His family made a claim for the death benefit, but was denied because the policy had lapsed. Who will have to compensate Osvaldo's family for the loss of death benefit?
答案：B
解題說明：
Comprehensive and Detailed in Depth Explanation with Exact Extract from Documents and Guides:
TheIFSE Ethics and Professional Practice Course (Common Law)explains that agents must carry Errors and Omissions (E&O) insurance to cover financial losses due to negligence or mistakes. Jane's failure to process Osvaldo's payment, leading to a lapsed policy, is negligence. E&Ocoverage compensates the family for the lost benefit, not Jane's personal assets (A), as it's designed for such errors. The OmbudService (C) mediates disputes but doesn't pay claims, and the Canadian Council of Insurance Regulators (D) coordinates policy, not compensation. Thus, B is correct.
References:
IFSE Ethics and Professional Practice Course (Common Law), Module 1: Ethics and Professionalism, Section on "Errors and Omissions Insurance."
問題 #30
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?
答案：D
解題說明：
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's shares 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.
問題 #31
(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?)
答案：B
解題說明：
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**)
問題 #32
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最新LLQP試題: https://tw.fast2test.com/LLQP-premium-file.html
順便提一下，可以從雲存儲中下載Fast2test LLQP考試題庫的完整版：https://drive.google.com/open?id=1dksofU41-P-Ik3l9-oYh9rz6kj4qI8am