{"id":106987,"date":"2025-07-29T03:44:26","date_gmt":"2025-07-29T03:44:26","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=106987"},"modified":"2025-07-29T03:44:26","modified_gmt":"2025-07-29T03:44:26","slug":"llqp-dumps-v9-02-with-llqp-free-dumps-part-2-q41-q80-online-help-you-check-the-quality-of-the-life-license-qualification-program-llqp-exam-questions","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/llqp-dumps-v9-02-with-llqp-free-dumps-part-2-q41-q80-online-help-you-check-the-quality-of-the-life-license-qualification-program-llqp-exam-questions.html","title":{"rendered":"LLQP Dumps (V9.02) with LLQP Free Dumps (Part 2, Q41-Q80) Online &#8211; Help You Check the Quality of the Life License Qualification Program (LLQP) Exam Questions"},"content":{"rendered":"<p>You can practice the Life License Qualification Program (LLQP) exam questions from DumpsBase to prepare for your exam well. We empower you to take control of your LLQP exam preparation and make the most of every opportunity leading up to the Life License Qualification Program (LLQP) Exam. Currently, the LLQP dumps (V9.02) are the most updated version to help you learn thoroughly. These questions and answers are organized by topic, making your LLQP exam easier to track your progress and focus on your weakest areas. We shared the <a href=\"https:\/\/www.dumpsbase.com\/freedumps\/strengthen-your-life-license-qualification-program-llqp-exam-preparation-with-llqp-dumps-v9-02-we-share-the-llqp-free-dumps-part-1-q1-q40-online.html\"><em><strong>LLQP free dumps (Part 1, Q1-Q40)<\/strong><\/em><\/a> before to help you check the quality. And today, we will share more sample questions, the LLQP free dumps (Part 2, Q41-Q80), online to help you check more.<\/p>\n<h2>Below are the <span style=\"background-color: #33cccc;\"><em>LLQP free dumps (Part 2, Q41-Q80) of V9.02<\/em><\/span> for checking more:<\/h2>\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam10057\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-10057\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-10057\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-399618'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>After completing a thorough needs analysis, Dimitri, an insurance agent with Health Assure, recommends that his client Chandler purchase a deferred annuity contract and contribute monthly to a balanced segregated fund to build up savings that Chandler can use as retirement income. Dimitri explains to Chandler that the type of annuity contract he is recommending has two distinct phases. <br \/>\r<br>What are those two phases?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='399618' \/><input type='hidden' id='answerType399618' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399618[]' id='answer-id-1552082' class='answer   answerof-399618 ' value='1552082'   \/><label for='answer-id-1552082' id='answer-label-1552082' class=' answer'><span>Immediate and deferred.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399618[]' id='answer-id-1552083' class='answer   answerof-399618 ' value='1552083'   \/><label for='answer-id-1552083' id='answer-label-1552083' class=' answer'><span>Accumulation and capitalization.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399618[]' id='answer-id-1552084' class='answer   answerof-399618 ' value='1552084'   \/><label for='answer-id-1552084' id='answer-label-1552084' class=' answer'><span>Accumulation and investment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399618[]' id='answer-id-1552085' class='answer   answerof-399618 ' value='1552085'   \/><label for='answer-id-1552085' id='answer-label-1552085' class=' answer'><span>Capitalization and payment.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-399619'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>Following the death of her sister Sarah last year, Yesha, the liquidator of Sarah's estate, had been in contact with Sarah\u2019s insurance agent Monique on several occasions to claim the death benefit on Sarah\u2019s life insurance policy. <br \/>\r<br>Yesterday, Yesha noticed that Sarah also had a disability insurance policy with a return of premium option which stated that a portion of the premiums can be reimbursed upon her death. Yesha contacted Monique again and asked her for more details about the disability policy and return of premium option but Monique replied that she could not help her as her firm had destroyed Sarah's files shortly after paying out the death benefit. <br \/>\r<br>Did Sarah\u2019s firm act appropriately?<\/div><input type='hidden' name='question_id[]' id='qID_2' value='399619' \/><input type='hidden' id='answerType399619' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399619[]' id='answer-id-1552086' class='answer   answerof-399619 ' value='1552086'   \/><label for='answer-id-1552086' id='answer-label-1552086' class=' answer'><span>Yes, because the death benefit was paid.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399619[]' id='answer-id-1552087' class='answer   answerof-399619 ' value='1552087'   \/><label for='answer-id-1552087' id='answer-label-1552087' class=' answer'><span>Yes, because the life insurance company will still have a copy of the contract.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399619[]' id='answer-id-1552088' class='answer   answerof-399619 ' value='1552088'   \/><label for='answer-id-1552088' id='answer-label-1552088' class=' answer'><span>No, because the file has to be kept for 5 years.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399619[]' id='answer-id-1552089' class='answer   answerof-399619 ' value='1552089'   \/><label for='answer-id-1552089' id='answer-label-1552089' class=' answer'><span>No, because the file has to be kept for 7 years.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-399620'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>Chloe is a newly licensed financial security adviser. She is diligently learning about the profession and wants to do her job properly. She wonders when she is required to renew her certificate. <br \/>\r<br>Which of the following answers is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='399620' \/><input type='hidden' id='answerType399620' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399620[]' id='answer-id-1552090' class='answer   answerof-399620 ' value='1552090'   \/><label for='answer-id-1552090' id='answer-label-1552090' class=' answer'><span>Within 45 days following its expiry date.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399620[]' id='answer-id-1552091' class='answer   answerof-399620 ' value='1552091'   \/><label for='answer-id-1552091' id='answer-label-1552091' class=' answer'><span>Within 15 days following its expiry date.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399620[]' id='answer-id-1552092' class='answer   answerof-399620 ' value='1552092'   \/><label for='answer-id-1552092' id='answer-label-1552092' class=' answer'><span>Before it expires.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399620[]' id='answer-id-1552093' class='answer   answerof-399620 ' value='1552093'   \/><label for='answer-id-1552093' id='answer-label-1552093' class=' answer'><span>If and when her personal situation changes.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-399621'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>Samir applied for a life insurance policy 18 months ago. At the time of the application, he was employed as an accountant. Samir quit his accounting job 6 months ago to become a professional scuba diver. <br \/>\r<br>Which of the following statements about Samir\u2019s life insurance policy is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_4' value='399621' \/><input type='hidden' id='answerType399621' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399621[]' id='answer-id-1552094' class='answer   answerof-399621 ' value='1552094'   \/><label for='answer-id-1552094' id='answer-label-1552094' class=' answer'><span>Samir must inform his insurer about his change of occupation within 6 months of the change.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399621[]' id='answer-id-1552095' class='answer   answerof-399621 ' value='1552095'   \/><label for='answer-id-1552095' id='answer-label-1552095' class=' answer'><span>Samir is not required to declare his change in occupation because the policy is less than 2 years old.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399621[]' id='answer-id-1552096' class='answer   answerof-399621 ' value='1552096'   \/><label for='answer-id-1552096' id='answer-label-1552096' class=' answer'><span>Regardless of whether Samir informs his insurer of his change in occupation, if he dies while scuba diving, he would not be covered.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399621[]' id='answer-id-1552097' class='answer   answerof-399621 ' value='1552097'   \/><label for='answer-id-1552097' id='answer-label-1552097' class=' answer'><span>Samir has no obligation to notify the insurer of his change of occupation regardless of how old the \r\npolicy is.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-399622'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Paola, an employee at Horizon Pharmaceuticals, was recently diagnosed with depression. She is unable to work and is receiving tax-free disability insurance benefits due to her condition. Paola is deeply indebted, and her creditors have been garnishing a portion of her pay for the last year. She is worried about her creditors also garnishing her disability benefit. <br \/>\r<br>Can her disability benefits be seized by her creditors?<\/div><input type='hidden' name='question_id[]' id='qID_5' value='399622' \/><input type='hidden' id='answerType399622' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399622[]' id='answer-id-1552098' class='answer   answerof-399622 ' value='1552098'   \/><label for='answer-id-1552098' id='answer-label-1552098' class=' answer'><span>Yes, disability insurance benefits are seizable.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399622[]' id='answer-id-1552099' class='answer   answerof-399622 ' value='1552099'   \/><label for='answer-id-1552099' id='answer-label-1552099' class=' answer'><span>Yes, but creditors can only seize up to 50% of her benefit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399622[]' id='answer-id-1552100' class='answer   answerof-399622 ' value='1552100'   \/><label for='answer-id-1552100' id='answer-label-1552100' class=' answer'><span>No, because the benefits are tax-free.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399622[]' id='answer-id-1552101' class='answer   answerof-399622 ' value='1552101'   \/><label for='answer-id-1552101' id='answer-label-1552101' class=' answer'><span>No, because she is disabled.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-399623'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Xander fills out a life insurance application to purchase a $75,000 policy. The policy is accepted by the insurer and delivered to him on March 3. He pays the first month\u2019s premium upon receipt of the policy. Unfortunately, on March 9, Xander loses his job and decides that he no longer wants the policy. <br \/>\r<br>What will be the consequence of this cancellation?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='399623' \/><input type='hidden' id='answerType399623' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399623[]' id='answer-id-1552102' class='answer   answerof-399623 ' value='1552102'   \/><label for='answer-id-1552102' id='answer-label-1552102' class=' answer'><span>Xander's policy will be cancelled, and he will receive a full premium refund.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399623[]' id='answer-id-1552103' class='answer   answerof-399623 ' value='1552103'   \/><label for='answer-id-1552103' id='answer-label-1552103' class=' answer'><span>Xander's policy will be cancelled, but he will not receive any premium refund.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399623[]' id='answer-id-1552104' class='answer   answerof-399623 ' value='1552104'   \/><label for='answer-id-1552104' id='answer-label-1552104' class=' answer'><span>Xander will be obligated to reinstate the policy once he finds new employment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399623[]' id='answer-id-1552105' class='answer   answerof-399623 ' value='1552105'   \/><label for='answer-id-1552105' id='answer-label-1552105' class=' answer'><span>Xander will not be allowed to cancel the policy because he already accepted it.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-399624'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>Abishola purchases segregated funds from her insurance agent Bob. Before finalizing the transaction, she tells Bob that she will need the funds in a few months to make a down payment on a condo. Later, when Abishola calls to withdraw her funds, Bob informs her that she will incur a fee for withdrawing her funds prematurely. Abishola complains to Bob, and then to Bob's supervisor, without receiving a satisfactory response. <br \/>\r<br>To which organization can Abishola escalate her complaint?<\/div><input type='hidden' name='question_id[]' id='qID_7' value='399624' \/><input type='hidden' id='answerType399624' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399624[]' id='answer-id-1552106' class='answer   answerof-399624 ' value='1552106'   \/><label for='answer-id-1552106' id='answer-label-1552106' class=' answer'><span>Office of the Privacy Commissioner of Canada.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399624[]' id='answer-id-1552107' class='answer   answerof-399624 ' value='1552107'   \/><label for='answer-id-1552107' id='answer-label-1552107' class=' answer'><span>Assuris.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399624[]' id='answer-id-1552108' class='answer   answerof-399624 ' value='1552108'   \/><label for='answer-id-1552108' id='answer-label-1552108' class=' answer'><span>Canadian Council of Insurance Regulators.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399624[]' id='answer-id-1552109' class='answer   answerof-399624 ' value='1552109'   \/><label for='answer-id-1552109' id='answer-label-1552109' class=' answer'><span>OmbudService for Life and Health Insurance.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-399625'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>Trisha is new to the insurance industry and wants to understand the primary responsibility of the Canadian Insurance Services Regulatory Organizations (CISRO). <br \/>\r<br>Which of the following statements about CISRO is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_8' value='399625' \/><input type='hidden' id='answerType399625' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399625[]' id='answer-id-1552110' class='answer   answerof-399625 ' value='1552110'   \/><label for='answer-id-1552110' id='answer-label-1552110' class=' answer'><span>To administer the regulatory system, applicable to insurance intermediaries.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399625[]' id='answer-id-1552111' class='answer   answerof-399625 ' value='1552111'   \/><label for='answer-id-1552111' id='answer-label-1552111' class=' answer'><span>To administer the enforcement of the federal Personal Information Protection and Electronic Documents Act (PIPEDA).<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399625[]' id='answer-id-1552112' class='answer   answerof-399625 ' value='1552112'   \/><label for='answer-id-1552112' id='answer-label-1552112' class=' answer'><span>To help protect the integrity of the Canadian financial system.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399625[]' id='answer-id-1552113' class='answer   answerof-399625 ' value='1552113'   \/><label for='answer-id-1552113' id='answer-label-1552113' class=' answer'><span>To provide clients with assistance to their enquiries and complaints pertaining to Canadian life and health insurance products and services.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-399626'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>Kalei owns a $250,000 life insurance policy with an accumulated cash surrender value of $75,000. She meets with her insurance agent Pamela to inform her that she quit her job last week. She wants to start an online business and needs $40,000 to fund the inventory and cover her living expenses for a few months. She heard that it was possible to obtain a loan using her policy at a 5% interest rate. <br \/>\r<br>Which of the following statements about collateral assignment is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_9' value='399626' \/><input type='hidden' id='answerType399626' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399626[]' id='answer-id-1552114' class='answer   answerof-399626 ' value='1552114'   \/><label for='answer-id-1552114' id='answer-label-1552114' class=' answer'><span>Upon Kalei's death, the insurance company will only reimburse the bank the entire $40,000 that she borrowed.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399626[]' id='answer-id-1552115' class='answer   answerof-399626 ' value='1552115'   \/><label for='answer-id-1552115' id='answer-label-1552115' class=' answer'><span>Kalei is prohibited from doing anything with her policy that could affect the value of the security.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399626[]' id='answer-id-1552116' class='answer   answerof-399626 ' value='1552116'   \/><label for='answer-id-1552116' id='answer-label-1552116' class=' answer'><span>Kalei must name the bank as an irrevocable beneficiary of the policy until the debt is paid off.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399626[]' id='answer-id-1552117' class='answer   answerof-399626 ' value='1552117'   \/><label for='answer-id-1552117' id='answer-label-1552117' class=' answer'><span>The bank is the new policyholder and beneficiary of the policy.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-399627'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>It\u2019s Friday afternoon and Olivier, an insurance agent, has just received the paper copy of his client\u2019s insurance contract. Olivier is about to leave on a three-day weekend, and he's already late for his camping reservation. He wonders if he should delay his departure to deliver the document, or if it can wait until he gets back on Tuesday. <br \/>\r<br>How long does Olivier have to deliver the contract?<\/div><input type='hidden' name='question_id[]' id='qID_10' value='399627' \/><input type='hidden' id='answerType399627' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399627[]' id='answer-id-1552118' class='answer   answerof-399627 ' value='1552118'   \/><label for='answer-id-1552118' id='answer-label-1552118' class=' answer'><span>Within 10 days of receiving it.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399627[]' id='answer-id-1552119' class='answer   answerof-399627 ' value='1552119'   \/><label for='answer-id-1552119' id='answer-label-1552119' class=' answer'><span>Within 15 days of receiving it.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399627[]' id='answer-id-1552120' class='answer   answerof-399627 ' value='1552120'   \/><label for='answer-id-1552120' id='answer-label-1552120' class=' answer'><span>Within 30 days of receiving it.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399627[]' id='answer-id-1552121' class='answer   answerof-399627 ' value='1552121'   \/><label for='answer-id-1552121' id='answer-label-1552121' class=' answer'><span>Within a reasonable time.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-399628'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>Last year, Ezekiel purchased a $100,000 life insurance policy and named his wife Jolene as an irrevocable beneficiary of the policy. Last week, Ezekiel returned home early from a business trip and decided to surprise his wife instead of calling ahead. He arrived at midnight and not wanting to wake her, entered the house from the back door and left the lights off. Not expecting the intruder to be her husband, Jolene stabbed him in the heart with a kitchen knife. She quickly realized her mistake and called 911. Unfortunately, Ezekiel died in the hospital from his wounds. The police deemed Ezekiel's death as accidental, and no charges were filed. <br \/>\r<br>Will the insurer pay the death benefit?<\/div><input type='hidden' name='question_id[]' id='qID_11' value='399628' \/><input type='hidden' id='answerType399628' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399628[]' id='answer-id-1552122' class='answer   answerof-399628 ' value='1552122'   \/><label for='answer-id-1552122' id='answer-label-1552122' class=' answer'><span>Yes, because Ezekiel\u2019s death was accidental, Jolene did not intend to kill him.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399628[]' id='answer-id-1552123' class='answer   answerof-399628 ' value='1552123'   \/><label for='answer-id-1552123' id='answer-label-1552123' class=' answer'><span>Yes, because Jolene is the designated irrevocable beneficiary.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399628[]' id='answer-id-1552124' class='answer   answerof-399628 ' value='1552124'   \/><label for='answer-id-1552124' id='answer-label-1552124' class=' answer'><span>No, because he died within the first 2 years of purchasing the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399628[]' id='answer-id-1552125' class='answer   answerof-399628 ' value='1552125'   \/><label for='answer-id-1552125' id='answer-label-1552125' class=' answer'><span>No, because Jolene caused his death.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-399629'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>Brian gives his lawyer Dave $200,000 that will be used as a down payment to purchase a condo. Brian received these funds from his mother\u2019s life insurance death benefit. The money is deposited into Dave\u2019s trust account. Unbeknownst to Brian, Dave is going through financial hardship. <br \/>\r<br>If Dave files for bankruptcy while Brian's funds are still in his trust account, can the bankruptcy trustee seize the funds?<\/div><input type='hidden' name='question_id[]' id='qID_12' value='399629' \/><input type='hidden' id='answerType399629' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399629[]' id='answer-id-1552126' class='answer   answerof-399629 ' value='1552126'   \/><label for='answer-id-1552126' id='answer-label-1552126' class=' answer'><span>Yes, because the account is in Dave\u2019s name.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399629[]' id='answer-id-1552127' class='answer   answerof-399629 ' value='1552127'   \/><label for='answer-id-1552127' id='answer-label-1552127' class=' answer'><span>Yes, because life insurance benefits, once paid out, are seizable.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399629[]' id='answer-id-1552128' class='answer   answerof-399629 ' value='1552128'   \/><label for='answer-id-1552128' id='answer-label-1552128' class=' answer'><span>No, because the money does not belong to Dave.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399629[]' id='answer-id-1552129' class='answer   answerof-399629 ' value='1552129'   \/><label for='answer-id-1552129' id='answer-label-1552129' class=' answer'><span>No, because trust accounts are protected from seizure by creditors.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-399630'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>Candace, an insurance agent, met with her client Rebecca on March 15th to complete a life insurance application form. Rebecca applied for a T-10 $200,000 life insurance policy, she told Candace that she will wait for her policy to be accepted before making a premium payment. On April 10th, the application was accepted by the insurance company and Candace promptly called Rebecca to give her the good news. Candace delivered the policy to Rebecca on April 15th during the meeting, Rebecca gave Candace a cheque to cover her first premium and a void cheque to cover subsequent premium payments. Candace submitted the cheques to her manager on April 21st. <br \/>\r<br>When did Rebecca\u2019s policy come into force?<\/div><input type='hidden' name='question_id[]' id='qID_13' value='399630' \/><input type='hidden' id='answerType399630' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399630[]' id='answer-id-1552130' class='answer   answerof-399630 ' value='1552130'   \/><label for='answer-id-1552130' id='answer-label-1552130' class=' answer'><span>March 15th<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399630[]' id='answer-id-1552131' class='answer   answerof-399630 ' value='1552131'   \/><label for='answer-id-1552131' id='answer-label-1552131' class=' answer'><span>April 10th<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399630[]' id='answer-id-1552132' class='answer   answerof-399630 ' value='1552132'   \/><label for='answer-id-1552132' id='answer-label-1552132' class=' answer'><span>April 15th<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399630[]' id='answer-id-1552133' class='answer   answerof-399630 ' value='1552133'   \/><label for='answer-id-1552133' id='answer-label-1552133' class=' answer'><span>April 21st<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-399631'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>Dale meets with his last appointment of a busy workday. He is helping his client Larry fill out a disability insurance claim form. Larry suffered a heart attack a week ago and is at home recuperating. Larry will be unable to work for the next 6 months and needs the benefits as soon as possible to cover his expenses. The at-home appointment takes a little longer than scheduled and Dale finds himself rushing to his son\u2019s big hockey tournament. In his haste, he puts Larry\u2019s form in his briefcase and subsequently forgets to submit the form. <br \/>\r<br>Which responsibility did Dale breach?<\/div><input type='hidden' name='question_id[]' id='qID_14' value='399631' \/><input type='hidden' id='answerType399631' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399631[]' id='answer-id-1552134' class='answer   answerof-399631 ' value='1552134'   \/><label for='answer-id-1552134' id='answer-label-1552134' class=' answer'><span>Integrity<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399631[]' id='answer-id-1552135' class='answer   answerof-399631 ' value='1552135'   \/><label for='answer-id-1552135' id='answer-label-1552135' class=' answer'><span>Competence<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399631[]' id='answer-id-1552136' class='answer   answerof-399631 ' value='1552136'   \/><label for='answer-id-1552136' id='answer-label-1552136' class=' answer'><span>Disclosure<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399631[]' id='answer-id-1552137' class='answer   answerof-399631 ' value='1552137'   \/><label for='answer-id-1552137' id='answer-label-1552137' class=' answer'><span>Duty of care<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-399632'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Josh is a successful insurance agent with Smart Insurance Inc. who mentors new agents and gives them tips on how to increase their client base. He tells Clarence, a new agent, that he should send an email to close friends and family members to explain the services that he now offers. Clarence is worried about sending unsolicited promotional emails because Firash, the compliance manager, had told him that the practice is not allowed. <br \/>\r<br>What legislation was Firash correctly referencing?<\/div><input type='hidden' name='question_id[]' id='qID_15' value='399632' \/><input type='hidden' id='answerType399632' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399632[]' id='answer-id-1552138' class='answer   answerof-399632 ' value='1552138'   \/><label for='answer-id-1552138' id='answer-label-1552138' class=' answer'><span>The Personal Information Protection and Electronic Documents Act (PIPEDA).<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399632[]' id='answer-id-1552139' class='answer   answerof-399632 ' value='1552139'   \/><label for='answer-id-1552139' id='answer-label-1552139' class=' answer'><span>The Privacy Act.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399632[]' id='answer-id-1552140' class='answer   answerof-399632 ' value='1552140'   \/><label for='answer-id-1552140' id='answer-label-1552140' class=' answer'><span>Canada\u2019s Anti-Spam Legislation (CASL).<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399632[]' id='answer-id-1552141' class='answer   answerof-399632 ' value='1552141'   \/><label for='answer-id-1552141' id='answer-label-1552141' class=' answer'><span>The Criminal Code.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-399633'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>Melissa owns a disability insurance policy from Clarity Life. She makes her premium payment on the second day of each month, but this month, she misses the payment deadline. A week passes before she realizes her oversight. She makes a frantic call to Jonathan, a Clarity Life customer service representative. Jonathan explains about notices of termination. <br \/>\r<br>Which of the following responses is CORRECT?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='399633' \/><input type='hidden' id='answerType399633' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399633[]' id='answer-id-1552142' class='answer   answerof-399633 ' value='1552142'   \/><label for='answer-id-1552142' id='answer-label-1552142' class=' answer'><span>Melissa's policy was cancelled 24 hours after she missed her payment, and Clarity mailed her a notice of termination.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399633[]' id='answer-id-1552143' class='answer   answerof-399633 ' value='1552143'   \/><label for='answer-id-1552143' id='answer-label-1552143' class=' answer'><span>Melissa's policy would only be cancelled 30 days after the due date of her missed premium payment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399633[]' id='answer-id-1552144' class='answer   answerof-399633 ' value='1552144'   \/><label for='answer-id-1552144' id='answer-label-1552144' class=' answer'><span>Melissa's policy has a grace period and would not be cancelled until 10 days after Clarity Life mails her a notice of termination.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399633[]' id='answer-id-1552145' class='answer   answerof-399633 ' value='1552145'   \/><label for='answer-id-1552145' id='answer-label-1552145' class=' answer'><span>Melissa's policy has a grace period and would not be cancelled until 15 days after Clarity Life mails her a notice of termination.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-399634'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>Emeka, a new insurance agent with Sunrise Insurance, meets with her client, Mosi. After analyzing Mosi's needs, Emeka determines that Mosi's current life insurance coverage with Starlight Insurance is more than sufficient. Nevertheless, she persuades Mosi to cancel his existing coverage and buy a new life insurance policy with Sunrise Insurance. She believes this is a good compromise because Mosi will have the coverage he needs, and the new transaction will pay her a commission. <br \/>\r<br>Which of the following offences did Emeka commit?<\/div><input type='hidden' name='question_id[]' id='qID_17' value='399634' \/><input type='hidden' id='answerType399634' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399634[]' id='answer-id-1552146' class='answer   answerof-399634 ' value='1552146'   \/><label for='answer-id-1552146' id='answer-label-1552146' class=' answer'><span>Inducing to insure.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399634[]' id='answer-id-1552147' class='answer   answerof-399634 ' value='1552147'   \/><label for='answer-id-1552147' id='answer-label-1552147' class=' answer'><span>Twisting.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399634[]' id='answer-id-1552148' class='answer   answerof-399634 ' value='1552148'   \/><label for='answer-id-1552148' id='answer-label-1552148' class=' answer'><span>Churning.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399634[]' id='answer-id-1552149' class='answer   answerof-399634 ' value='1552149'   \/><label for='answer-id-1552149' id='answer-label-1552149' class=' answer'><span>Fronting.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-399635'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>Ae-Cha starts working for the manufacturer, Premier Vibe Inc., a company that offers its employees group insurance with Sprout Life Insurance. Ae-Cha meets with Devon, the group insurance representative, and learns that her group plan includes $75,000 of life insurance coverage. Ae-Cha would like to know who designates the beneficiary on the life insurance.<\/div><input type='hidden' name='question_id[]' id='qID_18' value='399635' \/><input type='hidden' id='answerType399635' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399635[]' id='answer-id-1552150' class='answer   answerof-399635 ' value='1552150'   \/><label for='answer-id-1552150' id='answer-label-1552150' class=' answer'><span>Premier Vibe Inc.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399635[]' id='answer-id-1552151' class='answer   answerof-399635 ' value='1552151'   \/><label for='answer-id-1552151' id='answer-label-1552151' class=' answer'><span>Ae-Cha<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399635[]' id='answer-id-1552152' class='answer   answerof-399635 ' value='1552152'   \/><label for='answer-id-1552152' id='answer-label-1552152' class=' answer'><span>Devon<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399635[]' id='answer-id-1552153' class='answer   answerof-399635 ' value='1552153'   \/><label for='answer-id-1552153' id='answer-label-1552153' class=' answer'><span>Sprout Life<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-399636'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>Sergei meets with his insurance agent Nikita to purchase a $50,000 critical illness policy. Nikita explains that to apply for the policy Sergei would have to answer a series of personal questions about his finances, health, and lifestyle. Sergei is uncomfortable giving Nikita such detailed personal information. Nikita reassures Sergei by telling him that the insurer must follow stringent rules about how they can collect and handle this information. <br \/>\r<br>Which organization legislates privacy statutes pertaining to insurance companies?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='399636' \/><input type='hidden' id='answerType399636' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399636[]' id='answer-id-1552154' class='answer   answerof-399636 ' value='1552154'   \/><label for='answer-id-1552154' id='answer-label-1552154' class=' answer'><span>Personal Information Protection and Electronic Documents Act (PIPEDA)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399636[]' id='answer-id-1552155' class='answer   answerof-399636 ' value='1552155'   \/><label for='answer-id-1552155' id='answer-label-1552155' class=' answer'><span>Privacy Act<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399636[]' id='answer-id-1552156' class='answer   answerof-399636 ' value='1552156'   \/><label for='answer-id-1552156' id='answer-label-1552156' class=' answer'><span>Human rights legislation<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399636[]' id='answer-id-1552157' class='answer   answerof-399636 ' value='1552157'   \/><label for='answer-id-1552157' id='answer-label-1552157' class=' answer'><span>Criminal Code<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-399637'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>Ariana is a Vancouver restauranteur who owns a $250,000 universal life (UL) insurance policy with a cash surrender value that has grown considerably over the years. Unfortunately, her restaurant has fallen on hard times and in an effort to turn the business around, she takes out a string of business loans that she personally guaranteed. To protect her life insurance from creditors, she changes the <br \/>\r<br>beneficiary designation from her estate, naming her husband as a revocable beneficiary. Despite her efforts, the restaurant\u2019s profits do not improve, and she is forced to close her business and file for bankruptcy. <br \/>\r<br>Can her creditors seize her cash surrender value?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='399637' \/><input type='hidden' id='answerType399637' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399637[]' id='answer-id-1552158' class='answer   answerof-399637 ' value='1552158'   \/><label for='answer-id-1552158' id='answer-label-1552158' class=' answer'><span>Yes, because she changed her beneficiary designation to hinder creditors.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399637[]' id='answer-id-1552159' class='answer   answerof-399637 ' value='1552159'   \/><label for='answer-id-1552159' id='answer-label-1552159' class=' answer'><span>Yes, because she has money accumulated in her cash surrender value.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399637[]' id='answer-id-1552160' class='answer   answerof-399637 ' value='1552160'   \/><label for='answer-id-1552160' id='answer-label-1552160' class=' answer'><span>No, because her husband is a protected class beneficiary.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399637[]' id='answer-id-1552161' class='answer   answerof-399637 ' value='1552161'   \/><label for='answer-id-1552161' id='answer-label-1552161' class=' answer'><span>No, because the creditors can only go after the restaurant's assets.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-399638'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>Bernadette, a 27-year-old single woman, earns $78,000 annually as a production assistant. She meets with Howard, her insurance agent, to purchase an accidental death and dismemberment insurance contract. Bernadette fills out the application form, the application is accepted, and the effective date is the date of acceptance of the application. <br \/>\r<br>Why is the effective date of Bernadette\u2019s policy the same as the date of acceptance?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='399638' \/><input type='hidden' id='answerType399638' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399638[]' id='answer-id-1552162' class='answer   answerof-399638 ' value='1552162'   \/><label for='answer-id-1552162' id='answer-label-1552162' class=' answer'><span>She has a low-risk profession.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399638[]' id='answer-id-1552163' class='answer   answerof-399638 ' value='1552163'   \/><label for='answer-id-1552163' id='answer-label-1552163' class=' answer'><span>She is a woman.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399638[]' id='answer-id-1552164' class='answer   answerof-399638 ' value='1552164'   \/><label for='answer-id-1552164' id='answer-label-1552164' class=' answer'><span>She is in her twenties.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399638[]' id='answer-id-1552165' class='answer   answerof-399638 ' value='1552165'   \/><label for='answer-id-1552165' id='answer-label-1552165' class=' answer'><span>There is no medical underwriting.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-399639'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>Andre, an insurance agent, meets with his client Jasper to discuss his $150,000 whole life insurance policy. Jasper is deeply indebted and needs at least $40,000 to cover his debt. Andre tells him about a company he knows that will be willing to give him $75,000 if he assigns his policy to them. <br \/>\r<br>Did Andre act appropriately?<\/div><input type='hidden' name='question_id[]' id='qID_22' value='399639' \/><input type='hidden' id='answerType399639' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399639[]' id='answer-id-1552166' class='answer   answerof-399639 ' value='1552166'   \/><label for='answer-id-1552166' id='answer-label-1552166' class=' answer'><span>No, because Jasper is not allowed to assign his policy to an arms-length entity.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399639[]' id='answer-id-1552167' class='answer   answerof-399639 ' value='1552167'   \/><label for='answer-id-1552167' id='answer-label-1552167' class=' answer'><span>No, because trafficking in insurance is discouraged by the insurance industry.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399639[]' id='answer-id-1552168' class='answer   answerof-399639 ' value='1552168'   \/><label for='answer-id-1552168' id='answer-label-1552168' class=' answer'><span>Yes, because he is helping his client pay off his debt.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399639[]' id='answer-id-1552169' class='answer   answerof-399639 ' value='1552169'   \/><label for='answer-id-1552169' id='answer-label-1552169' class=' answer'><span>Yes, as long as this practice is not illegal in his province of residence.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-399640'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>Frankie is a newly licensed insurance of persons agent who meets with Walter, her father's friend since college. Walter is in his late forties, and he mentions that he would like to purchase a life insurance policy and start planning for his retirement. Frankie has never sold a segregated fund before. Not wanting to disclose her inexperience, she clumsily fills out the application form to invest in segregated funds. <br \/>\r<br>Which responsibility did Frankie breach?<\/div><input type='hidden' name='question_id[]' id='qID_23' value='399640' \/><input type='hidden' id='answerType399640' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399640[]' id='answer-id-1552170' class='answer   answerof-399640 ' value='1552170'   \/><label for='answer-id-1552170' id='answer-label-1552170' class=' answer'><span>Integrity<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399640[]' id='answer-id-1552171' class='answer   answerof-399640 ' value='1552171'   \/><label for='answer-id-1552171' id='answer-label-1552171' class=' answer'><span>Competence<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399640[]' id='answer-id-1552172' class='answer   answerof-399640 ' value='1552172'   \/><label for='answer-id-1552172' id='answer-label-1552172' class=' answer'><span>Disclosure<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399640[]' id='answer-id-1552173' class='answer   answerof-399640 ' value='1552173'   \/><label for='answer-id-1552173' id='answer-label-1552173' class=' answer'><span>Product suitability<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-24' style=';'><div id='questionWrap-24'  class='   watupro-question-id-399641'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>24. <\/span>Kaamil meets with Omar, his insurance agent, to purchase a whole life insurance policy. Kaamil wants to name his wife Ofra as the irrevocable beneficiary of the policy. <br \/>\r<br>Before proceeding, which of the following considerations should Omar CORRECTLY ask his client to reflect on?<\/div><input type='hidden' name='question_id[]' id='qID_24' value='399641' \/><input type='hidden' id='answerType399641' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399641[]' id='answer-id-1552174' class='answer   answerof-399641 ' value='1552174'   \/><label for='answer-id-1552174' id='answer-label-1552174' class=' answer'><span>Ofra will be able to make a cash withdrawal without Kaamil's consent.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399641[]' id='answer-id-1552175' class='answer   answerof-399641 ' value='1552175'   \/><label for='answer-id-1552175' id='answer-label-1552175' class=' answer'><span>Ofra will be able to withdraw funds from Kaamil's cash surrender value.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399641[]' id='answer-id-1552176' class='answer   answerof-399641 ' value='1552176'   \/><label for='answer-id-1552176' id='answer-label-1552176' class=' answer'><span>Kaamil can surrender the policy without obtaining Ofra's consent.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399641[]' id='answer-id-1552177' class='answer   answerof-399641 ' value='1552177'   \/><label for='answer-id-1552177' id='answer-label-1552177' class=' answer'><span>Kaamil will need to obtain Ofra\u2019s consent if he would like to revoke her as a beneficiary.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-25' style=';'><div id='questionWrap-25'  class='   watupro-question-id-399642'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>25. <\/span>Elizabeth is a seasoned insurance agent. She meets with Harold, a new agent, to help him better understand the industry and the processes that they must follow. Elizabeth tells Harold about a body that administers the regulatory system applicable to insurance intermediaries. <br \/>\r<br>Which of the following is Elizabeth referring to?<\/div><input type='hidden' name='question_id[]' id='qID_25' value='399642' \/><input type='hidden' id='answerType399642' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399642[]' id='answer-id-1552178' class='answer   answerof-399642 ' value='1552178'   \/><label for='answer-id-1552178' id='answer-label-1552178' class=' answer'><span>OmbudService for Life and Health Insurance (OLHI)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399642[]' id='answer-id-1552179' class='answer   answerof-399642 ' value='1552179'   \/><label for='answer-id-1552179' id='answer-label-1552179' class=' answer'><span>Canadian Council of Insurance Regulators (CCIR)<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399642[]' id='answer-id-1552180' class='answer   answerof-399642 ' value='1552180'   \/><label for='answer-id-1552180' id='answer-label-1552180' class=' answer'><span>Office of the Privacy Commissioner of Canada<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399642[]' id='answer-id-1552181' class='answer   answerof-399642 ' value='1552181'   \/><label for='answer-id-1552181' id='answer-label-1552181' class=' answer'><span>Canadian Insurance Services Regulatory Organizations (CISRO)<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-26' style=';'><div id='questionWrap-26'  class='   watupro-question-id-399643'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>26. <\/span>Marcel is 16 years old and attends a boarding school in Ontario. He is a resident of New Brunswick and lives there with his parents in the summer months. After a recent family death, his father has been reviewing the family's life insurance coverage and suggests that Marcel apply for a policy on himself. He tells his son that he will pay the premium while he remains a student. Since Marcel won't be home for some time, his father asks him to meet with an agent in Ontario to apply for coverage. <br \/>\r<br>Which one of the following statements is correct regarding Marcel's application?<\/div><input type='hidden' name='question_id[]' id='qID_26' value='399643' \/><input type='hidden' id='answerType399643' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399643[]' id='answer-id-1552182' class='answer   answerof-399643 ' value='1552182'   \/><label for='answer-id-1552182' id='answer-label-1552182' class=' answer'><span>Marcel can be both the owner and insured of the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399643[]' id='answer-id-1552183' class='answer   answerof-399643 ' value='1552183'   \/><label for='answer-id-1552183' id='answer-label-1552183' class=' answer'><span>Marcel must sign the application in New Brunswick, where he is a resident.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399643[]' id='answer-id-1552184' class='answer   answerof-399643 ' value='1552184'   \/><label for='answer-id-1552184' id='answer-label-1552184' class=' answer'><span>At least one of his parents must witness his signature as policy owner.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399643[]' id='answer-id-1552185' class='answer   answerof-399643 ' value='1552185'   \/><label for='answer-id-1552185' id='answer-label-1552185' class=' answer'><span>At least one of his parents must be the owner of the policy.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-27' style=';'><div id='questionWrap-27'  class='   watupro-question-id-399644'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>27. <\/span>Josh is an established advisor who specializes in group benefits. He recently hired Bryan as a marketing manager. Bryan will be responsible for advertising and creating a social media platform for Josh's company. Among other things, Bryan is developing a monthly electronic newsletter, which he plans to email to potential and existing clients. However, because this is a brand new initiative, none of the would-be recipients has subscribed to the newsletter or asked to receive any such communication from Josh's company. <br \/>\r<br>What law should Josh and Bryan be mindful of before sending their newsletter?<\/div><input type='hidden' name='question_id[]' id='qID_27' value='399644' \/><input type='hidden' id='answerType399644' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399644[]' id='answer-id-1552186' class='answer   answerof-399644 ' value='1552186'   \/><label for='answer-id-1552186' id='answer-label-1552186' class=' answer'><span>The Personal Information Protection and Electronic Documents Act.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399644[]' id='answer-id-1552187' class='answer   answerof-399644 ' value='1552187'   \/><label for='answer-id-1552187' id='answer-label-1552187' class=' answer'><span>The Canadian Anti-Spam Legislation.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399644[]' id='answer-id-1552188' class='answer   answerof-399644 ' value='1552188'   \/><label for='answer-id-1552188' id='answer-label-1552188' class=' answer'><span>The Privacy Act.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399644[]' id='answer-id-1552189' class='answer   answerof-399644 ' value='1552189'   \/><label for='answer-id-1552189' id='answer-label-1552189' class=' answer'><span>The rules governing the National Do Not Call List.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-28' style=';'><div id='questionWrap-28'  class='   watupro-question-id-399645'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>28. <\/span>Edward and Shirley initiated a whole life insurance application for their daughter Christine when she was 15 years of age. As Christine was a student with limited income at the time, the agent set Edward and Shirley jointly as owning and paying the premiums of this policy. Edward was designated beneficiary. <br \/>\r<br>Who is the policyholder?<\/div><input type='hidden' name='question_id[]' id='qID_28' value='399645' \/><input type='hidden' id='answerType399645' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399645[]' id='answer-id-1552190' class='answer   answerof-399645 ' value='1552190'   \/><label for='answer-id-1552190' id='answer-label-1552190' class=' answer'><span>Christine, as she is the life insured.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399645[]' id='answer-id-1552191' class='answer   answerof-399645 ' value='1552191'   \/><label for='answer-id-1552191' id='answer-label-1552191' class=' answer'><span>Edward, as he is the designated beneficiary.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399645[]' id='answer-id-1552192' class='answer   answerof-399645 ' value='1552192'   \/><label for='answer-id-1552192' id='answer-label-1552192' class=' answer'><span>Edward and Shirley, as they are paying the premiums.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399645[]' id='answer-id-1552193' class='answer   answerof-399645 ' value='1552193'   \/><label for='answer-id-1552193' id='answer-label-1552193' class=' answer'><span>Edward and Shirley, as they are designated owners of the policy.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-29' style=';'><div id='questionWrap-29'  class='   watupro-question-id-399646'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>29. <\/span>Oscar is a chartered accountant who owns and operates his own firm, Tax Time Ltd., with the help of five employees. The provincial accountants' association offers group benefits plans to its members' firms. Oscar recently contacted the association to have a group benefits plan quoted and put in place for his firm. <br \/>\r<br>Who will be the plan sponsor?<\/div><input type='hidden' name='question_id[]' id='qID_29' value='399646' \/><input type='hidden' id='answerType399646' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399646[]' id='answer-id-1552194' class='answer   answerof-399646 ' value='1552194'   \/><label for='answer-id-1552194' id='answer-label-1552194' class=' answer'><span>Oscar.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399646[]' id='answer-id-1552195' class='answer   answerof-399646 ' value='1552195'   \/><label for='answer-id-1552195' id='answer-label-1552195' class=' answer'><span>Tax Time Ltd.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399646[]' id='answer-id-1552196' class='answer   answerof-399646 ' value='1552196'   \/><label for='answer-id-1552196' id='answer-label-1552196' class=' answer'><span>The provincial accountants' association.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399646[]' id='answer-id-1552197' class='answer   answerof-399646 ' value='1552197'   \/><label for='answer-id-1552197' id='answer-label-1552197' class=' answer'><span>The insurer providing the group insurance benefits.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-30' style=';'><div id='questionWrap-30'  class='   watupro-question-id-399647'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>30. <\/span>Miguel applied for a disability insurance policy nearly three months ago. He recently received notice from his agent that his application was approved, with an exclusion applicable to his lower back due to a prior injury. The agent brought the exclusion amendment with the policy at the delivery appointment. Miguel signed and accepted it. He gave the agent a copy of a void cheque to set up direct billing for the premiums, but asked that they wait three days to draw the first premium, to coincide with his payday. The insurer drew the premium three days later, as requested. <br \/>\r<br>When did Miguel's policy take effect?<\/div><input type='hidden' name='question_id[]' id='qID_30' value='399647' \/><input type='hidden' id='answerType399647' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399647[]' id='answer-id-1552198' class='answer   answerof-399647 ' value='1552198'   \/><label for='answer-id-1552198' id='answer-label-1552198' class=' answer'><span>The policy has been in effect ever since Miguel's initial application.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399647[]' id='answer-id-1552199' class='answer   answerof-399647 ' value='1552199'   \/><label for='answer-id-1552199' id='answer-label-1552199' class=' answer'><span>The policy took effect when Miguel received notice of approval.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399647[]' id='answer-id-1552200' class='answer   answerof-399647 ' value='1552200'   \/><label for='answer-id-1552200' id='answer-label-1552200' class=' answer'><span>The policy took effect when Miguel signed the policy and the amendment.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399647[]' id='answer-id-1552201' class='answer   answerof-399647 ' value='1552201'   \/><label for='answer-id-1552201' id='answer-label-1552201' class=' answer'><span>The policy took effect when the insurer was able to draw the first premium.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-31' style=';'><div id='questionWrap-31'  class='   watupro-question-id-399648'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>31. <\/span>Mordecai's life insurance lapsed four years after the policy was issued because he failed to make <br \/>\r<br>premium payments. The insurer reinstated the policy several months later when he made the required payments and provided the medical and financial information the insurer required. Twelve months later, Mordecai commits suicide and his beneficiaries ask Larry, his insurance agent, whether the claim will be paid. <br \/>\r<br>What should Larry tell the beneficiaries?<\/div><input type='hidden' name='question_id[]' id='qID_31' value='399648' \/><input type='hidden' id='answerType399648' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399648[]' id='answer-id-1552202' class='answer   answerof-399648 ' value='1552202'   \/><label for='answer-id-1552202' id='answer-label-1552202' class=' answer'><span>The claim will be paid, because the incontestability clause ended two years after the policy was issued.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399648[]' id='answer-id-1552203' class='answer   answerof-399648 ' value='1552203'   \/><label for='answer-id-1552203' id='answer-label-1552203' class=' answer'><span>The claim will be paid, because paying the death benefit would be consistent with public order and community standards.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399648[]' id='answer-id-1552204' class='answer   answerof-399648 ' value='1552204'   \/><label for='answer-id-1552204' id='answer-label-1552204' class=' answer'><span>The claim will be rejected, because the suicide exclusion begins with the date the insurer reinstates the policy.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399648[]' id='answer-id-1552205' class='answer   answerof-399648 ' value='1552205'   \/><label for='answer-id-1552205' id='answer-label-1552205' class=' answer'><span>The claim will be rejected, because Mordecai's poor mental health was, in all likelihood, a preexisting condition.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-32' style=';'><div id='questionWrap-32'  class='   watupro-question-id-399649'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>32. <\/span>Omar and Martha are common-law spouses employed by a company that has a group life and disability insurance plan. Omar has named Martha his beneficiary while Martha has named Omar as her beneficiary. Omar and Martha got drunk one Saturday night, stole a car, and decided to rob a convenience store. As they drove away from the store, Omar hit a light post. He became permanently disabled while Martha died at the scene. <br \/>\r<br>What will happen when Omar submits claim forms for disability and death benefits?<\/div><input type='hidden' name='question_id[]' id='qID_32' value='399649' \/><input type='hidden' id='answerType399649' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399649[]' id='answer-id-1552206' class='answer   answerof-399649 ' value='1552206'   \/><label for='answer-id-1552206' id='answer-label-1552206' class=' answer'><span>The insurer will pay the death benefit to Omar but will not pay him a disability benefit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399649[]' id='answer-id-1552207' class='answer   answerof-399649 ' value='1552207'   \/><label for='answer-id-1552207' id='answer-label-1552207' class=' answer'><span>The insurer will not pay the death benefit to Omar and will not pay him a disability benefit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399649[]' id='answer-id-1552208' class='answer   answerof-399649 ' value='1552208'   \/><label for='answer-id-1552208' id='answer-label-1552208' class=' answer'><span>The insurer will pay the death benefit to Omar and will pay him a disability benefit.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399649[]' id='answer-id-1552209' class='answer   answerof-399649 ' value='1552209'   \/><label for='answer-id-1552209' id='answer-label-1552209' class=' answer'><span>The insurer will not pay the death benefit to Omar but will pay him a disability benefit.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-33' style=';'><div id='questionWrap-33'  class='   watupro-question-id-399650'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>33. <\/span>Laraine wants to purchase an Individual Variable Insurance Contract (IVIC) because of the death benefit guarantee as she has been ill. She has decided on a segregated fund which has, as its underlying asset, units of a mutual fund that invests in North American common shares. Her insurance agent, Jeffrey, wants her to understand key issues before she completes and signs the application. <br \/>\r<br>What should Jeffrey do?<\/div><input type='hidden' name='question_id[]' id='qID_33' value='399650' \/><input type='hidden' id='answerType399650' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399650[]' id='answer-id-1552210' class='answer   answerof-399650 ' value='1552210'   \/><label for='answer-id-1552210' id='answer-label-1552210' class=' answer'><span>Provide her with the prospectus issued for the underlying mutual fund units.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399650[]' id='answer-id-1552211' class='answer   answerof-399650 ' value='1552211'   \/><label for='answer-id-1552211' id='answer-label-1552211' class=' answer'><span>Provide her with the summary information folder for the segregated fund.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399650[]' id='answer-id-1552212' class='answer   answerof-399650 ' value='1552212'   \/><label for='answer-id-1552212' id='answer-label-1552212' class=' answer'><span>Tell her she has a 10-day &quot;free look&quot; to review the contract.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399650[]' id='answer-id-1552213' class='answer   answerof-399650 ' value='1552213'   \/><label for='answer-id-1552213' id='answer-label-1552213' class=' answer'><span>Tell her she must complete a medical questionnaire which will be attached to the application.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-34' style=';'><div id='questionWrap-34'  class='   watupro-question-id-399651'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>34. <\/span>Josh is meeting with William, his financial advisor, to notify him of the death of his spouse, Linda, for whom he is the beneficiary. Josh is asking William what requirements are necessary for proof of claim on their life insurance policy. <br \/>\r<br>Which of the following documents\/information are required by Josh to ensure that a proper claim is approved by the insurance company?<\/div><input type='hidden' name='question_id[]' id='qID_34' value='399651' \/><input type='hidden' id='answerType399651' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399651[]' id='answer-id-1552214' class='answer   answerof-399651 ' value='1552214'   \/><label for='answer-id-1552214' id='answer-label-1552214' class=' answer'><span>(iv) only: Death Certificate.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399651[]' id='answer-id-1552215' class='answer   answerof-399651 ' value='1552215'   \/><label for='answer-id-1552215' id='answer-label-1552215' class=' answer'><span>(i) and (ii): Proof of Age and Place of Death.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399651[]' id='answer-id-1552216' class='answer   answerof-399651 ' value='1552216'   \/><label for='answer-id-1552216' id='answer-label-1552216' class=' answer'><span>(i), (iii), and (v): Proof of Age, Claim Form, and Coroner\u2019s Report.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399651[]' id='answer-id-1552217' class='answer   answerof-399651 ' value='1552217'   \/><label for='answer-id-1552217' id='answer-label-1552217' class=' answer'><span>(i), (iii), and (iv): Proof of Age, Claim Form, and Death Certificate.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-35' style=';'><div id='questionWrap-35'  class='   watupro-question-id-399652'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>35. <\/span>The primary and secondary beneficiaries of Rachel and Chad\u2019s joint first-to-die permanent life insurance policy are each other and their adult children, respectively. Within a year of Rachel and Chad\u2019s divorce, Rachel unexpectedly passes away. The policy beneficiaries remained as originally designated. <br \/>\r<br>Whose claim will be paid by the insurer?<\/div><input type='hidden' name='question_id[]' id='qID_35' value='399652' \/><input type='hidden' id='answerType399652' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399652[]' id='answer-id-1552218' class='answer   answerof-399652 ' value='1552218'   \/><label for='answer-id-1552218' id='answer-label-1552218' class=' answer'><span>Chad and the couple\u2019s adult children jointly, as they were all designated as beneficiaries.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399652[]' id='answer-id-1552219' class='answer   answerof-399652 ' value='1552219'   \/><label for='answer-id-1552219' id='answer-label-1552219' class=' answer'><span>The couple\u2019s adult children, as they submitted a claim before Chad.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399652[]' id='answer-id-1552220' class='answer   answerof-399652 ' value='1552220'   \/><label for='answer-id-1552220' id='answer-label-1552220' class=' answer'><span>Chad, as he was designated primary beneficiary.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399652[]' id='answer-id-1552221' class='answer   answerof-399652 ' value='1552221'   \/><label for='answer-id-1552221' id='answer-label-1552221' class=' answer'><span>Rachel\u2019s parents, as Rachel and Chad were divorced.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-36' style=';'><div id='questionWrap-36'  class='   watupro-question-id-399653'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>36. <\/span>Mark and Jesse had a joint life insurance policy which they purchased on the advice of their insurance agent, recognizing that if one of them died, the other would need an insurance benefit to pay off their mortgage and for final expenses. Coverage is $450,000. Last week their car went off the road in a snowstorm. Both were declared dead at the scene. The two had named their adult nephew, Louis, as contingent beneficiary. <br \/>\r<br>What is the amount of the benefit the insurer will pay Louis?<\/div><input type='hidden' name='question_id[]' id='qID_36' value='399653' \/><input type='hidden' id='answerType399653' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399653[]' id='answer-id-1552222' class='answer   answerof-399653 ' value='1552222'   \/><label for='answer-id-1552222' id='answer-label-1552222' class=' answer'><span>$225,000.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399653[]' id='answer-id-1552223' class='answer   answerof-399653 ' value='1552223'   \/><label for='answer-id-1552223' id='answer-label-1552223' class=' answer'><span>$450,000.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399653[]' id='answer-id-1552224' class='answer   answerof-399653 ' value='1552224'   \/><label for='answer-id-1552224' id='answer-label-1552224' class=' answer'><span>$675,000.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399653[]' id='answer-id-1552225' class='answer   answerof-399653 ' value='1552225'   \/><label for='answer-id-1552225' id='answer-label-1552225' class=' answer'><span>$900,000.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-37' style=';'><div id='questionWrap-37'  class='   watupro-question-id-399654'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>37. <\/span>Molly took out a disability insurance policy. A few years after the purchase, she severely injured her back and was unable to work. She immediately filed a claim with her insurer to start receiving benefits. The insurer asked for an attending physician's statement (APS) describing her condition and stating when that condition started. <br \/>\r<br>Why is it important for the insurer to know on what date Molly became disabled?<\/div><input type='hidden' name='question_id[]' id='qID_37' value='399654' \/><input type='hidden' id='answerType399654' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399654[]' id='answer-id-1552226' class='answer   answerof-399654 ' value='1552226'   \/><label for='answer-id-1552226' id='answer-label-1552226' class=' answer'><span>To determine when the 30-day survival period began.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399654[]' id='answer-id-1552227' class='answer   answerof-399654 ' value='1552227'   \/><label for='answer-id-1552227' id='answer-label-1552227' class=' answer'><span>To determine when the incontestability period began.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399654[]' id='answer-id-1552228' class='answer   answerof-399654 ' value='1552228'   \/><label for='answer-id-1552228' id='answer-label-1552228' class=' answer'><span>To determine when the 30-day grace period began.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399654[]' id='answer-id-1552229' class='answer   answerof-399654 ' value='1552229'   \/><label for='answer-id-1552229' id='answer-label-1552229' class=' answer'><span>To determine when the waiting period began.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-38' style=';'><div id='questionWrap-38'  class='   watupro-question-id-399655'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>38. <\/span>After meeting with his advisor Monica, Tom agrees to apply for a $50,000 whole life insurance policy. Monica tells him that the monthly premium will be $40 per month. Monica is advised by underwriting that Tom qualifies for an additional $10,000 critical illness rider, and that the new premium would be $50 per month. Monica advises underwriting that Tom accepts the additional coverage without speaking with him first, because it is such a good deal and great coverage, he won\u2019t mind. When Tom finds out what she has accepted on his behalf, without his knowledge, he is upset and wants to lodge a complaint to someone other than the insurance company and Monica; he wants to speak with an independent third party. He finds the contact information for the local regulatory authority. <br \/>\r<br>What are some of the responsibilities the regulatory authority has in protecting clients like Tom?<\/div><input type='hidden' name='question_id[]' id='qID_38' value='399655' \/><input type='hidden' id='answerType399655' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399655[]' id='answer-id-1552230' class='answer   answerof-399655 ' value='1552230'   \/><label for='answer-id-1552230' id='answer-label-1552230' class=' answer'><span>Promoting transparency, taking action against breaches of conduct, and giving clients avenues to resolve individual complaints (e.g., OmbudService for Life and Health Insurance).<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399655[]' id='answer-id-1552231' class='answer   answerof-399655 ' value='1552231'   \/><label for='answer-id-1552231' id='answer-label-1552231' class=' answer'><span>Promoting transparency, reimbursing financial losses suffered by clients, and giving clients avenues to resolve individual complaints.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399655[]' id='answer-id-1552232' class='answer   answerof-399655 ' value='1552232'   \/><label for='answer-id-1552232' id='answer-label-1552232' class=' answer'><span>Promoting transparency, educating the public, and organizing class action lawsuits against insurers.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399655[]' id='answer-id-1552233' class='answer   answerof-399655 ' value='1552233'   \/><label for='answer-id-1552233' id='answer-label-1552233' class=' answer'><span>Taking action against breaches of conduct, increasing the public\u2019s financial knowledge (such as understanding financial concepts), and closing insurance offices that are non-compliant.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-39' style=';'><div id='questionWrap-39'  class='   watupro-question-id-399656'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>39. <\/span>Callum is an agent with Neverland Insurance. It was recently discovered that he had been using a tied selling technique to double his sales with each client. <br \/>\r<br>Which one of the following organizations will take action against Callum\u2019s conduct?<\/div><input type='hidden' name='question_id[]' id='qID_39' value='399656' \/><input type='hidden' id='answerType399656' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399656[]' id='answer-id-1552234' class='answer   answerof-399656 ' value='1552234'   \/><label for='answer-id-1552234' id='answer-label-1552234' class=' answer'><span>The Canadian Insurance Services Regulatory Organizations.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399656[]' id='answer-id-1552235' class='answer   answerof-399656 ' value='1552235'   \/><label for='answer-id-1552235' id='answer-label-1552235' class=' answer'><span>The provincial\/territorial regulatory authority of the jurisdiction where Callum operates.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399656[]' id='answer-id-1552236' class='answer   answerof-399656 ' value='1552236'   \/><label for='answer-id-1552236' id='answer-label-1552236' class=' answer'><span>The Canadian Council of Insurance Regulators.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399656[]' id='answer-id-1552237' class='answer   answerof-399656 ' value='1552237'   \/><label for='answer-id-1552237' id='answer-label-1552237' class=' answer'><span>The Office of the Superintendent of Financial Institutions.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-40' style=';'><div id='questionWrap-40'  class='   watupro-question-id-399657'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>40. <\/span>Last month, Suzanne purchased a life insurance policy from a local agent. The agent told her that the policy would accrue a cash value that she could draw from in her retirement years and that the premium would never increase. After recently meeting with a close friend, who is a retired insurance advisor, she was dismayed to learn that what was sold to her is in fact a term policy with no cash value. <br \/>\r<br>If Suzanne wishes to make a formal complaint against the agent, which authority can assist her in doing so?<\/div><input type='hidden' name='question_id[]' id='qID_40' value='399657' \/><input type='hidden' id='answerType399657' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399657[]' id='answer-id-1552238' class='answer   answerof-399657 ' value='1552238'   \/><label for='answer-id-1552238' id='answer-label-1552238' class=' answer'><span>Assuris.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399657[]' id='answer-id-1552239' class='answer   answerof-399657 ' value='1552239'   \/><label for='answer-id-1552239' id='answer-label-1552239' class=' answer'><span>OmbudService for Life and Health Insurance.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399657[]' id='answer-id-1552240' class='answer   answerof-399657 ' value='1552240'   \/><label for='answer-id-1552240' id='answer-label-1552240' class=' answer'><span>Canadian Council of Insurance Regulators.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-399657[]' id='answer-id-1552241' class='answer   answerof-399657 ' value='1552241'   \/><label for='answer-id-1552241' id='answer-label-1552241' class=' answer'><span>Office of the Privacy Commissioner of Canada.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-41'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\" \/>&nbsp;Loading...\t<\/div>\n<\/div>\n\n<br \/>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons10057\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; 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   \t \n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>You can practice the Life License Qualification Program (LLQP) exam questions from DumpsBase to prepare for your exam well. We empower you to take control of your LLQP exam preparation and make the most of every opportunity leading up to the Life License Qualification Program (LLQP) Exam. Currently, the LLQP dumps (V9.02) are the most [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16267,17824],"tags":[19430,19431],"class_list":["post-106987","post","type-post","status-publish","format-standard","hentry","category-ifse-institute","category-life-license-qualification-program","tag-llqp-dumps","tag-llqp-exam-questions"],"_links":{"self":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/106987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/comments?post=106987"}],"version-history":[{"count":1,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/106987\/revisions"}],"predecessor-version":[{"id":106988,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/106987\/revisions\/106988"}],"wp:attachment":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/media?parent=106987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/categories?post=106987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/tags?post=106987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}