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Practice Questions of IFSE Institute LLQP Exam
Question 1
Which of the following is a key feature of disability income insurance?A) Provides coverage for medical expensesB) Pays a lump-sum benefit upon diagnosis of a critical illnessC) Replaces a portion of the insured's income if they are unable to work due to a covered disabilityD) Covers the cost of dental treatments and procedures Answer: C) Replaces a portion of the insured's income if they are unable to work due to a covered disability
Question 2
Which of the following statements about annuities is true? A) Annuities provide a lump sum payment at maturity.B) Annuities can only be purchased with a single premium.C) Annuities can provide a guaranteed income for a specified period.D) Annuities are only available to individuals over the age of 65. Answer: C) Annuities can provide a guaranteed income for a specified period. Answer:
Question 3
Which of the following is not a common exclusion in accident and sickness insurance policies? A) Pre-existing conditionsB) Injuries sustained while committing a crimeC) Routine dental checkups and cleaningsD) Injuries sustained while under the influence of alcohol or drugs Answer: C) Routine dental checkups and cleanings