LLQP Exam Dumps : Life License Qualification Program (LLQP)

Six years ago, Gerard, aged 28, purchased a life insurance policy.

Gerard just got married to Tanya, and they both want to purchase more insurance. Reviewing Gerard’s policy, Tanya notices that Gerard neglected to mention that he had migraines due to concussions suffered from playing football when he was a teenager. Gerard did not intentionally neglect to mention the migraines as the migraines were never an ongoing issue once he stopped playing football.

Which statement is true?

Rhonda is a sixty-year-old biologist at the local university. She has two adult children Connor and Daniel. She meets her life insurance agent Todd to make sure that if something were to happen to her that everything would be taken care of. She has taken the initiative to have a will done that has all of her assets divided between her two children after any debts or taxes are settled. She knows her boys are not great with money so she names her friend Sandra as the executor.

One of the things that Rhonda is concerned about is the taxes that will be owed on her final tax return and thinks a life insurance policy would be a good idea to solve her issue.

What should Todd recommend while completing a life insurance policy to make sure that Rhonda’s concerns are met?

Insurer ABC analyzed the disability claim of Monique, who says she is going through a serious depression that is keeping her from being able to do her work. Unfortunately, the insurer believes that Monique is fit to work. She asked the insurer to revise her position but has received a final letter from the insurer refusing to pay her short-term disability benefits. What recourse does Monique have if she does not want to consult a lawyer just yet?