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| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Accident and Sickness Insurance | 25% | - Disability insurance - Extended health and dental coverage - Group insurance plans - Critical illness and long-term care |
| Topic 2: Life Insurance | 25% | - Needs analysis and underwriting - Types of life insurance products - Principles and purpose of life insurance - Policy features, riders and contracts |
| Topic 3: Ethics and Professional Practice | 25% | - Legal and regulatory framework - Provincial licensing rules - Compliance and disclosure requirements - Ethical responsibilities and conduct |
| Topic 4: Segregated Funds and Annuities | 25% | - Types of annuities - Features and benefits of segregated funds - Retirement and investment planning - Taxation and estate considerations |
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120. Frage
Ziad, aged 34, was an elementary school teacher for several years. However, staffing cutbacks and his love of food have prompted him to go into business. He just purchased a pizza franchise (taking a $150,000 personal loan to finance the venture) and entered into a five-year lease for his business. Ziad owns a 20-year term life insurance policy with a face amount of $250,000. He is also covered for some benefits under his wife's group insurance plan, but knows he needs additional coverage. What type of accident and sickness coverage should Ziad purchase first?
Antwort: D
Begründung:
Comprehensive and Detailed Explanation:
Creditor disability insurance ensures Ziad's $150,000 loan payments if he's disabled, protecting his primary financial obligation (Chapter 3:Insurance to Protect Assets).
Option A: Secondary; lump-sum for illness.
Option B: Supplementary; not priority.
Option C: Correct; loan protection first.
Option D: Important but secondary to loan.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 3:Insurance to Protect Assets.
121. Frage
(Ten years ago, Yamina invested $2,500 in a segregated fund contract with a 75%/100% guarantee structure. The market value of the contract peaked at $4,500 but then fell. Now, at maturity, the units are worth $2,250.
How much can Yamina expect to receive?)
Antwort: A
Begründung:
With a 75% maturity guarantee, Yamina is guaranteed to receive at least 75% of the original investment at maturity, regardless of market performance.
75% $2,500 = $1,875, but because there is a reset possibility if applicable and a 100% death benefit guarantee, and if there had been any resets (not mentioned here), she would get the original amount $2,500 based on the basic guarantee.
Exact Extract:
"At maturity, if the market value is less than the guaranteed amount (typically 75% or 100% of the deposited amount), the maturity guarantee is paid." (Reference: Segfunds-E313-2020-12-7ED, Chapter 2.1.1 Guarantees#33:4 Segfunds-E313-2020-12-7ED.
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122. Frage
Caleb meets with Miles, his insurance agent, to invest for his retirement. Caleb tells Miles that he will not need his funds for the next 25 years, he is comfortable with market fluctuations, and he would like a fund that mimics the S&P/TSX Composite index.
Which of the following funds will best suit Caleb's needs?
Antwort: B
Begründung:
Since Caleb is looking for a fund that mirrors the S&P/TSX Composite index, an index fund would be the best choice. Index funds are specifically designed to track the performance of a specific index, providing broad market exposure at a low cost. This aligns with Caleb's objectives of long-term investment with a strategy that matches a known market benchmark, as emphasized in LLQP's sections on investment options.
Other options like equity, dividend, and target date funds do not directly track an index in the way that an index fund does, making them less suitable for Caleb's stated preference.
123. Frage
Jessica is 61 years old and has $460,000 invested in a registered retirement savings plan (RRSP). She is retiring due to health issues that are expected to reduce her life expectancy and will prevent her from working until she is 65. She would like to transfer her RRSP funds into an annuity that will pay her monthly benefits for the rest of her life.
Which of the following annuities is the BEST option for her to purchase?
Antwort: C
Begründung:
Due to Jessica's reduced life expectancy, an impaired life annuity would provide higher monthlypayments than a standard life annuity. This type of annuity takes her medical condition into account, offering larger payouts based on a shorter expected payment period. LLQP resources recommend impaired life annuities for individuals with significant health issues, as these provide better income compared to other types.
Options A and C offer a fixed period but don't maximize monthly income for someone with a reduced life expectancy. Option B would provide a standard income for life but not the potentially enhanced income from an impaired annuity.
124. Frage
(Samuel works for a major company offering a GRRSP and a group TFSA.
How do Samuel's contributions to the GRRSP differ from his contributions to the group TFSA?)
Antwort: C
Begründung:
Group TFSA contributionsare made withafter-tax moneyand grow tax-free.GRRSP contributionsreduce taxable income immediately because they aretax-deductible.
Exact Extract:
"Contributions to a TFSA are not deductible and must be made with after-tax dollars. RRSP (andGRRSP) contributions are tax-deductible, reducing taxable income." (Reference:Segfunds-E313-2020-12-7ED, Chapter 1.3.11 Group Plans)
125. Frage
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