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Life License Qualification Program Life License Qualification Program (LLQP)

Life License Qualification Program (LLQP)

Last Update Jun 20, 2025
Total Questions : 298

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Questions 2

Group insurance and group annuity representative Zaheb recently sold a group insurance contract to Alumo Inc., a company that employs about 50 plant employees. This is the first time the company offers such a plan. The employees are asking the company questions about how the prescription drug plan works. They are especially surprised to see that the plan covers very few of the brand name drugs often prescribed by their physicians. What should Zaheb do?

Options:

A.  

Let Alumo answer its employees’ questions about the prescription drug plan because it is best placed to understand their concerns.

B.  

Recommend that the employees consult the Medical Information Bureau’s (MIB) official website, which explains how prescription drug plans work.

C.  

Put an employee information program in place to explain the rules of the prescription drug plan.

D.  

Notify the insurer because it alone is able to explain the prescription drug plan rules to the employees.

Discussion 0
Questions 3

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:

A.  

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.

B.  

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

C.  

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

D.  

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

Discussion 0
Questions 4

Harris is the father of Aden, Charlie, and Edmond. They are turning 29, 26, and 24 this year respectively. Harris purchased a life insurance policy with Aden as the life insured, Charlie as the successor owner, and Edmond as co-owner of the policy. He also named his wife, Becky, as the irrevocable beneficiary. Years have passed and the life insurance accumulated sufficient cash value. Harris is working out of town most of the time and none of the family members can get hold of him. One day, Harris encounters a car accident in another country and becomesunconscious. Becky and the children decide to cancel the policy and remit the cash value to Harris’s hospital. Which party can execute the intended transaction?

Options:

A.  

Edmond and Aden.

B.  

Edmond and Becky.

C.  

Charlie and Aden.

D.  

Charlie and Becky.

Discussion 0
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Questions 5

Vladimir is a new insurance agent with Family-Assure Inc. He and his supervisor Petros are reviewing the information collected during Vladimir's first meeting with Vanessa, a restaurant owner looking to add to her existing disability insurance (DI) coverage. Petros notices an overlap among sources, although the existing coverage appears adequate. Petros reminds Vladimir to explain to Vanessa how she would be impacted if she were to claim disability benefits.

What should Vladimir tell Vanessa?

Options:

A.  

Her DI benefits may be scaled back accordingly.

B.  

It is more prudent to leave current coverage in place regardless of the overlap.

C.  

Overlapping among sources may result in longer waiting periods.

D.  

The insurer may refuse payment due to the appearance of fraud.

Discussion 0
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