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P.S.JpexamがGoogle Driveで共有している無料の2025 IFSE Institute LLQPダンプ：https://drive.google.com/open?id=1i8yLKUNo-gM7dbNkNgWKuwdh0P9P_wjH
何よりもまず、当社IFSE Instituteはほぼ10年間この分野で確固たる勢力となり、当社JpexamのLLQP試験問題は国際市場でそのような迅速な販売を享受しましたが、お客様に手頃な価格を維持しています。 第二に、最終決定を下す前に、当社がコンパイルした最新の急流LLQPを直接体験できるように、このWebサイトで無料のデモを用意しました。 ですから、もうheしないで、急いでLLQPテストLife License Qualification Program (LLQP)問題を購入してください。
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古く時から一寸の光陰軽るんずべからずの諺があって、あなたはどのぐらい時間を無駄にすることができますか？現時点からJpexamのLLQP問題集を学んで、時間を効率的に使用するだけ、LLQP知識ポイントを勉強してIFSE InstituteのLLQP試験に合格できます。短い時間でLLQP資格認定を取得するような高いハイリターンは嬉しいことではないでしょうか。
質問 # 241
Leanna has an accidental death and dismemberment policy for $175,000 that she purchased through Leo, her financial advisor, four years ago. Leanna works as a heavy-duty mechanic at a local diesel mechanic shop in town. Leanna was in a tragic accident that involved a hoist issue which resulted in the loss of one of her legs.
How much benefit will Leanna receive when she makes a claim?
正解：D
解説：
Comprehensive and Detailed Explanation From Exact Extract:
AD&D policies typically pay50% of the policy valuefor the loss of one limb. Therefore, $175,000 × 50% =
$87,500. The LLQP outlines thatfull benefits are for death or multiple limb loss, while partial payouts apply to single dismemberments.
質問 # 242
Paola, an employee at Horizon Pharmaceuticals, was recently diagnosed with depression. She is unable to work and is receiving tax-free disability insurance benefits due to her condition. Paola is deeply indebted, and her creditors have been garnishing a portion of her pay for the last year. She is worried about her creditors also garnishing her disability benefit.
Can her disability benefits be seized by her creditors?
正解：C
解説：
In Quebec, disability insurance benefits that replace income due to a disability are generally exempt from seizure by creditors. This protection exists to ensure that individuals who are unable to work due to disability can still cover their basic needs without creditor interference. The tax-free status of the benefits does not directly impact their seizure exemption. Therefore, Paola's disability insurance benefits are protected from garnishment due to her disability, as stipulated by Quebec's insurance and creditor protection laws.
質問 # 243
Concilius has had a whole life (permanent) insurance policy for the past eight years. He decides he no longer wants this policy and stops paying the premiums. The cash value keeps the policy in effect for 28 months, after which it lapses. However, 46 months later, Concilius regrets his decision and applies to reinstate his policy. He is prepared to prove that he still meets the insurability conditions and to pay the overdue premiums plus interest, the cash value used, and the interest. Under what conditions will Concilius' policy be reinstated?
正解：C
解説：
Comprehensive and Detailed In-Depth Explanation: Reinstatement of a lapsed whole life insurance policy is governed by the Civil Code of Quebec (Article 2428) and insurer policies outlined in the LLQP. If a policy lapses due to non-payment but has a cash value, it may remain in force temporarily via an automatic premium loan or reduced paid-up option. For reinstatement, the insured typically must provide evidence of insurability and repay overdue premiums, interest, and any cash value used, as Concilius offers. The LLQP specifies that reinstatement, if within the insurer's allowable period (often 2-5 years), restores the policy to its original terms-same premium and coverage-unless otherwise stipulated. Option B, "with the same initial conditions," aligns with this standard practice. Option A (new premium based on age) applies to new policies, not reinstatement. Option C (premium increase) or D (reduced amount) might occur if insurability declines, but Concilius meets the conditions, so no adjustment is required. The Ethics manual stresses transparency in explaining reinstatement terms.
References: Civil Code of Quebec, Article 2428; LLQP Module on Life Insurance Products; Ethics and Professional Practice (Civil Law) Manual, Section on Policy Administration.
質問 # 244
Oliver, an insurance agent, meets with Roman and Julie. They are a married couple with a five-year-old son William. After performing a needs analysis for the couple, Oliver concludes that if Roman dies, Julie will have a net annual shortfall of $30,000 per year. Assuming a rate of return of 4% and a tax rate of 40%, how much insurance should Oliver recommend Roman purchase to replace the income shortfall using the income replacement approach adjusted for taxes?
正解：C
解説：
To determine the amount of insurance needed for income replacement with a net shortfall of $30,000 per year, the calculation is as follows:
* Calculate Gross Income Needed:Since Roman's income needs to be adjusted for a 40% tax rate:
A black and white math equation Description automatically generated with medium confidence
Calculate Required Capital for Income Replacement:Using the rate of return of 4%, the required capital is:
A number with numbers and lines Description automatically generated with medium confidence
Since the tax rate has already been considered in calculating the $50,000 gross income,Option B($750,000) would be suitable after double-checking the total requirement of post-tax income and aligning with the overall net shortfall for more conservative estimates.Correct answer after full calculation adjustments should beB.
$750,000.
質問 # 245
Nathalie worked for 25 years as an administrative assistant at a manufacturing company. When she left the company 10 years ago, she transferred the money that she accumulated from the company's pension plan into a locked-in retirement account (LIRA). Now she is 60 years of age and would like to withdraw the money from the LIRA.
Under which of the following circumstances would Nathalie be allowed to withdraw her funds?
正解：C
解説：
Locked-In Retirement Accounts (LIRAs) are subject to specific restrictions regarding when and how funds can be accessed. Under LLQP regulations, individuals can generally only withdraw funds from a LIRA before retirement under certain circumstances. These include:
* Disability and a reduced life expectancy, as defined by the plan's requirements, which allow for early withdrawal due to significant financial or health hardships.
In contrast:
* Moving to another country, such as Arizona, does not qualify as a reason for early withdrawal under Canadian pension regulations.
* Retirement alone, without converting the LIRA into a Life Income Fund (LIF) or similar product, does not directly permit withdrawals from the LIRA.
* Collecting QPP benefits does not impact the withdrawal conditions of a LIRA directly unless combined with an allowable reason such as disability with reduced life expectancy.
Thus, option B correctly reflects the LLQP criteria under which Nathalie may access her LIRA funds early due to disability and a shortened life expectancy.
質問 # 246
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