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| Section | Objectives |
|---|---|
| Ethics and Professional Practice | - Ethical conduct and suitability - Regulatory framework and compliance |
| Segregated Funds and Annuities | - Investment-linked insurance products - Annuity structures and guarantees |
| Accident and Sickness Insurance | - Disability and critical illness coverage - Health insurance principles |
| Life Insurance | - Policy provisions and riders - Underwriting and risk classification - Life insurance products and policy types |
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NEW QUESTION # 244
(At 60 years of age, Pierre recently retired for health reasons: he suffers from leukemia and is only expected to live three or four more years, according to his oncologist. A friend advised Pierre to purchase an annuity with his RRSP, as he has no immediate family to leave money to and wants a guaranteed monthly payout.
What type of annuity would be best suited for Pierre?)
Answer: D
Explanation:
Given Pierre's short life expectancy, a term annuity (paying for a specific period) would ensure he receives guaranteed payments for a fixed number of years, aligning with his situation and providing steady cash flow.
Exact Extract:
"A term annuity pays a fixed income for a set number of years. It is appropriate for clients expecting a limited lifespan and wishing to maximize payouts during their lifetime." (Reference: Segfunds-E313-2020-12-7ED, Chapter 3.2.3 Duration of the Annuity#49:2Segfunds-E313-
2020-12-7ED.pdf**)
NEW QUESTION # 245
(Justin purchased a single life annuity contract with no guaranteed period and no survivor benefit. He is now hospitalized.
If Justin passes away, who could make a claim on behalf of his estate regarding the annuity?)
Answer: B
Explanation:
Since Justin's annuity hadno guaranteed periodandno survivor benefit,payments stop at death. Thus,no death claim can be made.
Exact Extract:
"For a single life annuity with no guarantee period, payments cease upon the death of the annuitant, and no death claim can be made." (Reference:Segfunds-E313-2020-12-7ED, Chapter 3.2.2.1 Single Life Contract#49:4 Segfunds-E313-2020-
12-7ED.pdf**)
NEW QUESTION # 246
Bachir owns a successful video game business and has 10 employees. The time has come to plan business succession and the eventual sale of the business. Bachir's nephew Kharim, who shows a real interest in the business, is identified as his successor. Bachir would like to protect his sales price until such time as the business is sold to Kharim, who does not have the funds yet and will need a few years to amass the required amount. Bachir and Kharim consult insurance agent Bianca for advice. What should Bianca propose?
Answer: D
Explanation:
Comprehensive and Detailed Explanation:
Disability buyout insurance funds a buy-sell agreement if the owner (Bachir) becomes disabled, ensuring Kharim can purchase the business at the agreed price (Chapter 5:Insurance to Protect Businesses).
Option A: Incorrect; Kharim's disability doesn't affect Bachir's sale.
Option B: Incorrect; no loan is mentioned.
Option C: Incorrect; key person protects business operations, not succession.
Option D: Correct; protects Bachir's sale value if he's disabled.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 5:Insurance to Protect Businesses.
NEW QUESTION # 247
Planet Source decides to implement a defined contribution pension plan (DCPP) for its 75 employees. The company's president appoints Josie, the human resources director, as the plan administrator.
Which of the following BEST describes Josie's responsibility as a plan administrator?
Answer: C
Explanation:
As a plan administrator for a defined contribution pension plan (DCPP), Josie's primary responsibility is to manage the pension plan, which includes overseeing day-to-day operations, ensuring regulatory compliance, and handling communications with plan members. According to LLQP, plan administrators are tasked with ensuring the effective management and administration of the plan, rather than setting benefit structures or addressing funding issues, which are typically responsibilities of the employer.
Options B, C, and D describe responsibilities typically held by the employer or plan sponsor, not the administrator.
NEW QUESTION # 248
Claire, Yvon's client, wants to make changes to her insurance portfolio. In addition to her group insurance, which provides coverage for twice her salary, she has a participating whole life policy, and a 20-year term insurance to cover her debts and provide financial protection for her son. She explains that her job has been abolished and that her employer plans to offer her something else in six months. For now, her budget is significantly affected and she also thinks she has too much insurance. She asks that Yvon cancel her insurance contracts until she starts her new job and to replace them with the least-expensive term insurance possible.
Further to Claire's request, what should Yvon do?
Answer: B
Explanation:
Comprehensive and Detailed Explanation From Exact Extract:
The LLQP states that life insurance decisions must be based onupdated needs analysis, especially during life transitions. Whole life policies offercash values, dividends, and borrowing options, which may provide liquidity. Yvon should guide Claire withfinancial alternativesrather than cancelling valuable permanent coverage during temporary hardship.
NEW QUESTION # 249
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