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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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Estrella
17 days ago
I feel confident about that answer.
upvoted 0 times
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Lachelle
22 days ago
But since Arthur is named, he should be fine.
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Miss
27 days ago
The estate could complicate things, though.
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Jose
1 month ago
Exactly! Mercedes made sure Arthur is protected.
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Laura
1 month ago
Richard has no rights, he's not involved.
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Audra
1 month ago
But what if Richard tries to claim it?
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Noelia
2 months ago
Yeah, I agree. He's the beneficiary.
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Chantell
2 months ago
I think Arthur would get the money.
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Loreta
2 months ago
Nope, it's definitely Arthur since he's the named beneficiary!
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Major
2 months ago
I thought the estate would get it if there's no will?
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Lashonda
2 months ago
Wait, what if Richard tries to claim it?
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Jani
2 months ago
Totally agree, it's all about the beneficiary!
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Deeanna
3 months ago
A) Arthur would get the death benefit.
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Kendra
3 months 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
3 months 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
3 months ago
I'm not entirely sure, but I remember something about how if there's no will, the estate might get involved.
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Brock
3 months ago
I think the death benefit would go directly to Arthur since he's the named beneficiary, right?
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