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IFSE Institute LLQP Exam - Topic 1 Question 30 Discussion

Mercedes is a single mother to her 5-year-old son Arthur. Arthur's father Richard is not in his son's life because he is a recovering drug dealer who spent the last 4 years in and out of prison. Mercedes has full custody of Arthur and cannot count on help from her family because they live in another province.Wanting to ensure his well-being, in the event of her death, Mercedes purchases a $100,000 life insurance policy and names Arthur the sole beneficiary of the policy.If she died without a will who would receive the death benefit?
A) Arthur
B) Richard
C) Director of youth protection
D) Mercedes's estate

IFSE Institute LLQP Exam - Topic 1 Question 30 Discussion

Actual exam question for IFSE Institute's LLQP exam
Question #: 30
Topic #: 1
[All LLQP Questions]

Mercedes is a single mother to her 5-year-old son Arthur. Arthur's father Richard is not in his son's life because he is a recovering drug dealer who spent the last 4 years in and out of prison. Mercedes has full custody of Arthur and cannot count on help from her family because they live in another province.

Wanting to ensure his well-being, in the event of her death, Mercedes purchases a $100,000 life insurance policy and names Arthur the sole beneficiary of the policy.

If she died without a will who would receive the death benefit?

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Suggested Answer: A

by Hortencia at May 31, 2026, 08:10 PM

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Noelia
2 days ago
Yeah, I agree. He's the beneficiary.
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Chantell
8 days ago
I think Arthur would get the money.
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Loreta
13 days ago
Nope, it's definitely Arthur since he's the named beneficiary!
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Major
18 days ago
I thought the estate would get it if there's no will?
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Lashonda
23 days ago
Wait, what if Richard tries to claim it?
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Jani
28 days ago
Totally agree, it's all about the beneficiary!
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Deeanna
1 month ago
A) Arthur would get the death benefit.
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Kendra
1 month ago
I feel like Richard could somehow claim it since he's the father, but I don't know how that works without a will.
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Alison
1 month ago
I practiced a similar question where the beneficiary was a child too, and it seemed like they always get the money directly.
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Eura
2 months ago
I'm not entirely sure, but I remember something about how if there's no will, the estate might get involved.
upvoted 0 times
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Brock
2 months ago
I think the death benefit would go directly to Arthur since he's the named beneficiary, right?
upvoted 0 times
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