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IFSE Institute LLQP Exam - Topic 4 Question 21 Discussion

Claudie's mother has been the policyholder and beneficiary of an insurance policy on the life of Claudie since she was five years of age. Claudie is now the mother of a three-month-old boy. Claudie would like for Marc-Andr, her de facto spouse, to be the beneficiary of the policy. What steps need to be taken in order for this to happen?
A) As the policyholder, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andr
B) As the beneficiary, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andr
C) As the insured, Claudie must make a written request for a change of beneficiary and designateMarc-Andr
D) As the insured, Claudie must make a written request for a change of policyholder and designate Marc-Andr

IFSE Institute LLQP Exam - Topic 4 Question 21 Discussion

Actual exam question for IFSE Institute's LLQP exam
Question #: 21
Topic #: 4
[All LLQP Questions]

Claudie's mother has been the policyholder and beneficiary of an insurance policy on the life of Claudie since she was five years of age. Claudie is now the mother of a three-month-old boy. Claudie would like for Marc-Andr, her de facto spouse, to be the beneficiary of the policy. What steps need to be taken in order for this to happen?

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Suggested Answer: A

by Louvenia at Nov 19, 2025, 12:44 PM

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Lashawn
3 months ago
I agree with A. Clear steps are needed for this change.
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Chantell
3 months ago
D is definitely wrong. Claudie isn't changing the policyholder.
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Micaela
3 months ago
B is confusing. The mother can't just change it like that.
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Terina
3 months ago
A seems right, but what if the mother refuses?
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Delbert
3 months ago
I feel like C makes sense. Claudie is the insured.
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Tiffiny
4 months ago
I think it's A. The mother needs to request it.
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Dolores
4 months ago
I think B could be a possibility too, but A seems more straightforward.
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Phuong
4 months ago
Yep, A is correct. It's all about the policyholder's request.
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Flo
4 months ago
Wait, can Claudie even change the beneficiary if her mom is the policyholder?
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Aileen
5 months ago
Option C, easy peasy. Claudie's the one who needs to make the change, not her mom or her boyfriend.
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Simona
5 months ago
Haha, poor Claudie, gotta do all the work to get her boyfriend on the policy. C is the right answer though.
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Daron
5 months ago
I'm pretty sure the answer is C. Claudie needs to make the request since she's the insured.
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Ayesha
5 months ago
Option C is the correct answer. Claudie, as the insured, must make the written request to change the beneficiary.
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Lauran
5 months ago
I vaguely recall that the beneficiary can’t change the policyholder, so I think D is definitely out. It’s probably A, but I’m not 100% confident.
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Darrel
6 months ago
I’m a bit lost here. I thought the insured could change the beneficiary, but now I’m wondering if it’s really the policyholder who has that power.
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Willis
6 months ago
I practiced a similar question where the policyholder had to initiate changes. I think it has to be A, but I could be wrong about the specifics.
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Aleshia
6 months ago
I feel pretty confident that A is the correct answer. The mother as the policyholder needs to make the written request to change the beneficiary.
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Raylene
6 months ago
This is tricky. I'm not totally sure, but I'm leaning towards option A since the mother is the policyholder.
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Georgene
6 months ago
Okay, let me think this through. Since Claudie's mother is the policyholder, I'm guessing option A is the right answer.
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Kassandra
6 months ago
Totally agree, A is the right choice!
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Jennie
7 months ago
Claudie's mother is the policyholder, so she needs to request the change.
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Nickole
7 months ago
I remember something about the policyholder needing to request changes, so I think it might be A. But I'm not entirely sure if Claudie can do it herself since she's not the policyholder.
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Beatriz
7 months ago
C is the way to go. Claudie's the one who needs to do the paperwork, not her mom.
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Stephaine
7 months ago
I'm a little confused. Is Claudie the policyholder or just the insured? That seems important to determine the right steps.
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Verona
8 months ago
Hmm, this seems straightforward. I think the key is figuring out who has the authority to change the beneficiary.
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Vincenza
2 months ago
Makes sense! Marc-Andr should be the beneficiary now.
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Marsha
2 months ago
Yes, option A seems correct.
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Haydee
2 months ago
So, she needs to request the change, right?
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Toshia
2 months ago
I agree, it’s all about the authority.
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Derick
7 months ago
Definitely! Claudie's mom is the policyholder.
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