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Exam LLQP All Questions
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IFSE Institute Life License Qualification Program LLQP Question # 21 Topic 3 Discussion

LLQP Exam Topic 3 Question 21 Discussion:
Question #: 21
Topic #: 3

Rene and Christine are 42-year-old twins. They are currently in the middle of a career change and have decided to become entrepreneurs by buying a food franchise.

They are both in excellent health and only Rene is an average smoker.

In setting up the financial structure of their business, they each decided to take out a $400,000 10-year term life insurance policy, designating each other as irrevocable beneficiary.

What can we say about the premiums for the life insurance policies that will be issued?


A.

Both policies will have the same premium because Rene and Christine are twins.


B.

The premium for Christine's policy will be higher because statistics indicate that she will live longer than Rene.


C.

The premium for Rene's policy will be higher because statistics indicate that he will live longer than Christine.


D.

The premium for Rene's policy will be higher because he is a man and an average smoker.


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