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LLQP New Exam Bootcamp | Valid LLQP Exam Questions

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IFSE Institute Life License Qualification Program (LLQP) Sample Questions (Q192-Q197):

NEW QUESTION # 192
Eric is an architect who owns his own firm. He employs three staff and is in his fifth year of operation. While recently meeting with his insurance agent for an annual review of his coverage, he mentioned to the agent that he had recently purchased a new printing system and has a sizeable loan on it. In the event of disability, what type of insurance coverage could the agent suggest to ensure the loan payments are made?

A. Business overhead expense disability insurance.
B. Key person disability insurance.
C. Business loan protection disability insurance.
D. Disability buyout insurance.

Answer: C

Explanation:
Comprehensive and Detailed Explanation:
Business loan protection disability insurance covers loan payments if the owner is disabled, directly addressing Eric's need (Chapter 5:Insurance to Protect Businesses).
Option A: Incorrect; protects business operations.
Option B: Incorrect; covers overhead, not loans.
Option C: Incorrect; for buy-sell agreements.
Option D: Correct; targets loan payments.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 5:Insurance to Protect Businesses.

NEW QUESTION # 193
Amani owns Amani's Passions, an eco-friendly cosmetics company she started in her garage three years ago.
The business is booming-so much so that Amani's Passions recently hired over 20 employees to keep up with demand. Now Amani wants to set up a group insurance plan for her staff.
Whose role is it to solicit quotes from insurers and put the right plan in place?

A. The group plan sponsor.
B. The group insurance provider selected by Amani.
C. The group broker.
D. Amani's Passions' human resources department.

Answer: C

Explanation:
Thegroup brokeris responsible for soliciting quotes from various insurers and assisting in the selection and setup of the most suitable group insurance plan. This individual works with Amani to evaluate the company's needs, compare offerings, and finalize the group plan that meets her requirements. According to LLQP materials, brokers play a pivotal role in guiding plan sponsors (in this case, Amani) through the setup and implementation process of group insurance plans

NEW QUESTION # 194
Sasha is an employee at PranaTech. The company offers all employees a pension plan. PranaTech must contribute into the plan, but employee contributions are not mandatory. Sasha chooses where his funds will be invested.

A. Group registered retirement savings plan.
B. Deferred profit sharing plan.
C. Defined benefit pension plan.
D. Defined contribution pension plan.

Answer: D

NEW QUESTION # 195
Kyra is the owner and president of Borealis Fit, a martial arts studio with 15 employees. The centre opened five years ago and has done well. Kyra was never able to offer her employees any benefits until now. Kyra meets with Monica, an insurance agent, to implement a group insurance plan for the employees.
Which method of calculating rates will the insurer use to quote the group premiums?

A. Experience rating.
B. Manual rating.
C. Credibility rating.
D. Blended rating.

Answer: B

Explanation:
Since Borealis Fit is a relatively new business with no prior experience data for group insurance, the insurer is likely to use manual rating. This method involves determining premiums based on standard rates for similar groups rather than the specific experience of the group itself. Manual rating is commonly applied when there is no claims history or insufficient data to support a credibility or experience rating. This aligns with LLQP guidelines, which outline manual rating as a default approach for groups without established claims experience.

NEW QUESTION # 196
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?

A. That when she retires, she should purchase individual disability insurance, which would give herthe coverage required in the event of critical illness.
B. That the critical illness coverage under her group plan will end when she retires and that she should consider purchasing individual coverage.
C. 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.
D. That her critical illness coverage will end when she retires and that she should consider purchasing individual critical illness and long-term care insurance.

Answer: D

Explanation:
Comprehensive and Detailed Explanation:
Group critical illness (CI) coverage typically ends upon retirement unless a conversion option is explicitly offered, which is rare (Chapter 8:Group Plan Specifics). Eloise needs CI for lump-sum protection and long- term care (LTC) insurance for monthly benefits in an assisted living facility (Chapter 4:Insurance to Protect Savings).
Option A: Incorrect; group CI rarely converts to individual CI, and it doesn't address LTC needs.
Option B: Partially correct but incomplete; it misses LTC for assisted living.
Option C: Correct; CI ends at retirement, requiring individual CI, and LTC insurance meets her assisted living goal.
Option D: Incorrect; disability insurance replaces income, not CI or LTC benefits.
Reference: LLQP Accident and Sickness Insurance Manual, Chapter 4:Insurance to Protect Savings, Chapter
8:Group Plan Specifics.

NEW QUESTION # 197
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