Ifse Institute 2cram all Llqp Test Inside Ifse Institute Questions by Amani q30 vce pdf

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Exam Name:	Life License Qualification Program (LLQP)
Exam Code:	LLQP Dumps
Vendor:	IFSE Institute	Certification:	Life License Qualification Program
Questions:	298 Q&A's	Shared By:	amani

Question 40

Lara, owner of Huck’s Oil Change Ltd., meets with a life insurance agent to discuss a renewal package for the group benefits plan offered to employees. Lara employs 20 individuals, all of whom are covered under the group plan. The employee turnover rate is 10%, and the insurer has rated the group’s claims experience credibility at 20%. In establishing the group’s premiums under the new plan, how much weight will the insurer give to the standard manual rate for a comparable group?

Options:

10%

20%

80%

90%

Discussion

Question 41

Paul is a self-employed props person in the film industry. A year ago, he purchased disability insurance with an accidental death and dismemberment (AD&D) rider. During a film shoot, the wood floor of the film set catches fire due to his negligence and he loses sight in one eye. Hisdoctor prescribes complete rest for five months. How will the insurer compensate Paul under the circumstances?

Options:

Paul will receive a lump-sum benefit because of the loss of sight in one eye and monthly benefits for the duration of his disability.

Paul will receive monthly benefits due to the loss of sight in one eye because he is automatically considered disabled under his policy.

Paul will only receive a lump-sum benefit for the loss of his eye; he is not disabled as he only needs rest.

Paul will receive no benefits because the accident was caused by his negligence and an exclusion applies.

Discussion

Question 42

Eloise has critical illness coverage through her group insurance plan at work. She is 54 years old, in excellent health, and is planning to retire soon. She meets with Sonia, her insurance agent, to plan her retirement and to make sure she will still be covered in the event of critical illness. To make sure she is not a burden on her family, Eloise would also like to receive monthly benefits in the event she is placed in an assisted living facility. What should Sonia tell her?

Options:

That the critical illness coverage under her group plan is the least expensive and that the insurer will have to give her the option of converting it into individual insurance when she retires.

That the critical illness coverage under her group plan will end when she retires and that she should consider purchasing individual coverage.

That her critical illness coverage will end when she retires and that she should consider purchasing individual critical illness and long-term care insurance.

That when she retires, she should purchase individual disability insurance, which would give herthe coverage required in the event of critical illness.

Discussion

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Question 43

Mauro works full-time for a small company that offers no benefits. He earns $40,000 a year. He has an individual disability insurance policy that would provide him with $2,000 a month, for a maximum of two years, after a waiting period of four months. This policy includes a partial and residual disability rider. Injured in an accident, Mauro is completely unable to work for nine months. After that, Mauro’s doctor advises him to start working two days a week for the next three months, after which Mauro should be able to resume working full-time. What monthly benefit will Mauro receive during the period he works part-time?

Options:

$1,600

$1,200

$1,000

$800