IFSE Institute Life License Qualification Program (LLQP) LLQP Question # 53 Topic 6 Discussion
LLQP Exam Topic 6 Question 53 Discussion:
Question #: 53
Topic #: 6
Alexandre has just become a father. He wishes to take out a life insurance policy from Antoine, an insurance of persons representative. During their meeting, Alexandre mentions his love of mountain climbing. What should Antoine do?
A.
Warn Alexandre that no insurer covers activities such as mountain climbing, which are considered legal exclusions under the Civil Code of Quebec
B.
Check and explain the policy’s exclusion clauses, because the insurer could turn down the claim if Alexandre dies while mountain climbing
C.
Specify that the Charter of Human Rights and Freedoms only allows exclusions based on age, gender, or civil status in insurance contracts
D.
Explain only the insurance policy’s general coverage clauses
Comprehensive and Detailed In-Depth Explanation: Antoine’s duty as an insurance representative, per the Distribution Act (Sections 16–18) and Civil Code (Article 2408), includes assessing Alexandre’s risk profile and explaining policy terms, especially exclusions. Mountain climbing is a high-risk activity that many insurers exclude or restrict, but this is not a blanket legal exclusion under the Civil Code (contrary to option A). Option B is correct: Antoine must review the specific policy’s exclusion clauses and inform Alexandre that a claim could be denied if death occurs during mountain climbing, ensuring informed consent. Option C misinterprets the Quebec Charter (Sections 10–20), which prohibits discrimination but allows insurers to set risk-based exclusions (private contract freedom, Article 1378). Option D neglects Antoine’s obligation to disclose material exclusions, risking misrepresentation. The Ethics and Professional Practice manual mandates full disclosure of risks and exclusions to uphold client trust and compliance.
[References: Distribution Act, Sections 16–18; Civil Code of Quebec, Article 2408; Quebec Charter, Sections 10–20; Ethics and Professional Practice (Civil Law) Manual, Section on Disclosure Duties., ===========, ]
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