IFSE Institute LLQP 問題集

質問 1：
(Vanessa, a grandmother, wants to set up a savings account for her six-month-old granddaughter Brienne's future education, making a lump sum and regular contributions.
Which account is best suited?)
A. An RRSP in Brienne's name
B. An RESP with Brienne as beneficiary
C. A TFSA in Tanya's name
D. A TFSA in Vanessa's name
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 2：
Angela works in a biomedical research lab where she has been assigned to discover possible antidotes to the anthrax virus. While the discovery process of testing possible antidotes would expose her to the deadly virus, she is excited about the assignment.
Knowing that anthrax can be contracted through infected food, air or contact with skin, what risk management strategy would Angela employ by wearing protective gear over her mouth and skin?
A. Risk transfer.
B. Risk avoidance.
C. Risk reduction.
D. Risk retention.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 3：
On June 5, Karl completed an application for critical illness coverage and paid an annual premiumof $1,250.
On June 25, the underwriter approved the policy under standard conditions and sent it to the agent, who received it on July 7. The agent contacted the client on August 8 and the date for delivery was set at August
10. On August 12, Karl learns that he will lose his job at the end of the month. As such, he decides to cancel the policy, returning it to the insurer on August 15. What is the rule governing Karl's right to have his premium refunded?
A. He is not entitled to a refund, because the application was signed more than 30 days ago.
B. He is not entitled to a refund, because the policy was approved more than 30 days ago.
C. He is entitled to a refund, because the representative delivered the policy more than 10 days after its issuance.
D. He is entitled to a refund, because the policy was returned within 10 days of delivery.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 4：
Lydia, a 73-year-old retiree, has a large lump sum of non-registered money she intends to leave to her grandchildren upon her death. She has no need of this money personally, because she already benefits from a generous work pension and owns a sizeable RRIF. She wants to invest that lump sum in such a way that the capital is protected. She hopes it can grow in the long run when the market does well. As the investment grows, Lydia would like to have the opportunity to lock in the gains.
Which of the following investments would be most appropriate for her?
A. A variable income annuity.
B. Index-based ETFs.
C. Segregated funds with a reset feature.
D. Market-linked GICs.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 5：
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?
A. With a reduction in the insured amount
B. With the same initial conditions
C. With the addition of a new premium based on his current age
D. With an increase in the price of the premium
正解：B
解説: (Topexam メンバーにのみ表示されます)

質問 6：
Dorothy, age 36, is an architect. She runs her own office with the help of two assistants. She owns her own condo, has an active social life, and travels regularly for pleasure. She has a net annual income of approximately $125,000, once all the business, rent, salary, and car expenses have been paid. Dorothy is well aware of the significant financial problems that she would face for any absences from the office due to illness or disability. What are Dorothy's main protection needs in this respect?
A. Protect 100% of her net annual income.
B. Protect business overhead expenses.
C. Protect 60% of her net annual income and business overhead expenses.
D. Protect 60% of her net annual income.
正解：C
解説: (Topexam メンバーにのみ表示されます)

質問 7：
(Kara's uncle recently passed away, leaving her an inheritance. Since Kara does not hold any investment account and is not sure what to do with this unexpected influx of money, her cousin referred her to his own financial advisor.
What information should the advisor first seek to obtain from Kara to begin developing an investment strategy that meets her needs?)
A. Whether Kara would like to duplicate what her cousin has.
B. The rate of return Kara wants for her investment.
C. Who Kara wants to list as beneficiary.
D. How liquid Kara needs her investment to be.
正解：D
解説: (Topexam メンバーにのみ表示されます)

質問 8：
Agatha and Peter run a successful sole proprietorship. They are 68 and 70 respectively. Peter has a huge registered investment portfolio that will result in significant tax consequences upon his death. When both of them have passed away they would like their registered investment portfolio to go to their son, Alexander, who is 48 years old. The family would like to purchase life insurance to offset the tax liability.
Which of the following plans would best suit the family?
A. A joint last-to-die plan with Agatha and Peter as the insured
B. A joint first-to-die plan with Agatha and Peter as the insured
C. A joint first-to-die plan with Peter and Alexander as the insured
D. Two separate permanent single life policies with Agatha and Peter as the insured
正解：A
解説: (Topexam メンバーにのみ表示されます)