IFSE Institute LLQP Exam - Topic 4 Question 21 Discussion

Actual exam question for IFSE Institute's LLQP exam

Question #: 21
Topic #: 4

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?

AAs the policyholder, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andr

BAs the beneficiary, Claudie's mother must make a written request for a change of beneficiary and designate Marc-Andr

CAs the insured, Claudie must make a written request for a change of beneficiary and designateMarc-Andr

DAs the insured, Claudie must make a written request for a change of policyholder and designate Marc-Andr

Show Suggested Answer

Suggested Answer: A

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

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Lashawn

1 month ago

I agree with A. Clear steps are needed for this change.

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Chantell

1 month ago

D is definitely wrong. Claudie isn't changing the policyholder.

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Micaela

1 month ago

B is confusing. The mother can't just change it like that.

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Terina

2 months ago

A seems right, but what if the mother refuses?

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Delbert

2 months ago

I feel like C makes sense. Claudie is the insured.

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Tiffiny

2 months ago

I think it's A. The mother needs to request it.

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Dolores

2 months ago

I think B could be a possibility too, but A seems more straightforward.

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Phuong

3 months ago

Yep, A is correct. It's all about the policyholder's request.

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Flo

3 months ago

Wait, can Claudie even change the beneficiary if her mom is the policyholder?

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Aileen

3 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

3 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

3 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

4 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

4 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

4 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

4 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

4 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

5 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

5 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

5 months ago

Totally agree, A is the right choice!

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Jennie

5 months ago

Claudie's mother is the policyholder, so she needs to request the change.

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Nickole

5 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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