LLQP 무료 덤프문제 온라인 액세스

Maryse, an insurance of persons representative, meets with Anita, an actress, to complete a life insurance proposal. Maryse asks her for proof of age and identity. Anita does not like giving out her personal information and asks Maryse if she really needs to ask for these documents. Under what legislation is Maryse able to ask for these documents?

• A.ii) Respecting the distribution of financial products and services (Distribution Act) and iii) Act respecting the protection of personal information in the private sector (APPIPS)
• B.iv) Proceeds of Crime (Money Laundering) and Terrorist Financing Act and v) The Insurers Act respecting insurance and the Regulation under the Act respecting insurance
• C.iii) Act respecting the protection of personal information in the private sector (APPIPS) and iv) Proceeds of Crime (Money Laundering) and Terrorist Financing Act
• D.i) Charter of Rights and Freedoms and ii) Respecting the distribution of financial products and services (Distribution Act)

George, aged 72, has a number of medical conditions related to smoking and diabetes. He is planning the distribution of his estate, which is valued at $1.1 million. He will invest $1 million in a segregated fund and name his two daughters as equal beneficiaries. The remainder of the estate will go to George's favourite charity. George has peace of mind knowing that even if markets are down at the time of his death, his daughters will together receive an inheritance greater than the charity.
What unique feature of segregated funds has enabled George to formulate his estate plan in this way?

• A.The death benefit guarantee.
• B.Their exemption from probate fees.
• C.The investor protection offered by Assuris.
• D.The ability to increase guarantees by reset.

Ontario residents, Juan and Maria, are a married couple approaching retirement. They have asked their representative, Carlow, to review the details of Maria's defined benefit plan (DBPP).
Which of the following statements about Maria's pension is CORRECT?

• A.With Juan's consent, Maria can choose to reduce the survivor benefit to 25% of her normal pension amount.
• B.Juan will be entitled to the survivor benefit even if they are separated at the time of Maria's death.
• C.Maria would be entitled to an increased benefit if Juan waived his survivor benefit.
• D.Juan would be entitled to receive at least 50% of Maria's pension upon Maria's death.

On February 5, Ayla started working at Larson Group Inc. as an administrative assistant. Larson Group offers all employees a group health, dental and life insurance plan that commences after a 3-month waiting period.
On April 7, Ayla felt ill and drove herself to the hospital. The doctor diagnosed two clogged arteries and performed an emergency surgery. Ayla was unable to work for 2 months, then died of complications on June
9. Will the group insurance plan pay the death benefit?

• A.Yes, because her group life coverage started on May 5.
• B.No, because Ayla was not actively at work when the coverage started.
• C.Yes, because she died of natural causes.
• D.No, because Ayla did not provide the insurer with any proof of insurability.

Insurance of persons representative Flavie meets with Julius to analyze his needs. At the end of the meeting, Flavie makes another appointment to present the results of the analysis and the proposed strategies. She hands Julius her business card, which says: "One of the company's 10 best salespersons at your service!" Flavie even adds that she is the office's top salesperson and earns more than $250,000 a year in commissions and bonuses. What changes should Flavie make for her representation practices to comply with the obligations of an insurance of persons representative?

• A.Give her business card at the beginning of the meeting
• B.Avoid disclosing the fact that she is paid by commission
• C.Remove the slogan from her business card
• D.Give her business card only at the second meeting