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The scenarios test guidance for an unlicensed assistant handling DNCL obligations, rules on beneficiary changes when a policyholder becomes divorced and moves, and when a term policy is considered in force based on application, approval, delivery, acceptance, and the first premium payment date. Each question includes answer options, a marked correct choice, and brief explanations with references to the study manual sections and curriculum components.",{"@graph":69,"@context":121},[70,84,104],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/ethics-and-professional-practice-canada-exam-questions/447173/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":98,"encodingFormat":97,"isAccessibleForFree":99,"interactionStatistic":100},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/ethics-and-professional-practice-canada-exam-questions/447173.png","ImageObject",300,407,{"name":92,"@type":93},"Kurz","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-09-29",true,{"@type":101,"interactionType":102,"userInteractionCount":4},"InteractionCounter",{"@type":103},"ViewAction",{"@type":105,"mainEntity":106},"FAQPage",[107,113,117],{"name":108,"@type":109,"acceptedAnswer":110},"In Question 1, what should Suzanne tell Rosy regarding DNCL and solicitation?","Question",{"text":111,"@type":112},"Rosy should restrict calls to businesses and arrange meetings with Suzanne to discuss insurance needs. Shared background calls are not generally exempt, and Rosy is not licensed to solicit insurance.","Answer",{"name":114,"@type":109,"acceptedAnswer":115},"In Question 2, who can approve beneficiary changes after Jim is the sole owner of the policy?",{"text":116,"@type":112},"Only Jim, as sole policy owner, can approve any changes to the policy status or its beneficiaries. The agent should explain this to Karen.",{"name":118,"@type":109,"acceptedAnswer":119},"In Question 3, when is Anne's new term policy deemed to be in force?",{"text":120,"@type":112},"The policy takes effect when it is delivered, accepted, and the first month's premium is received. 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She intends to contact people who attended the same school as she and Suzanne using an alumni directory. Suzanne has registered and subscribed to the National Do Not Call List (DNCL) .  \nWhat should Suzanne tell Rosy?  \na) Calls to people with shared backgrounds are exempt from the DNCL.  \nb) As Suzanne has registered and subscribed to the DNCL, Rosy can solicit insurance from anyone listed in the alumni directory.  \nc) Rosy should restrict her calls to businesses and schedule meetings with Suzanne to discuss group insurance.  \nd) Rosy should email anyone she cannot reach by telephone offering meetings with Suzanne to discuss their insurance needs; emails are exempt from DNCL.  \nCorrect answer: c)  \nExplanations  \nAnswer a: False. There is no exemption from the DNLC for calling people with shared  \nbackgrounds. Rosy cannot call anyone on the list. Answer b: False. Rosy is not yet licensed; she cannot solicit insurance.  \nAnswer c: Correct answer. Calls to businesses are not prohibited.  \nAnswer d: False. Canadian anti-spam legislation prohibits the sending of commercial electronic messages if the sender does not first have the recipient’s consent.  \nReferences  \nReference manual: Ethics and professional practice, 2nd Edition, 2015 , sections 1.1.7 , 1.6.3 and 1.6.4  \nEvaluated competency sub-component in Curriculum: 1.1. Delimit the legal framework governing life insurance  \nEthics and professional practice (Canada)  \nQuestion 2  \nWhen Karen and Jim were newly married, they decided after meeting with a life insurance advisor that they should take out a joint life insurance policy with $350,000 on each of their lives to cover the cost of their mortgage, naming each other as beneficiaries. Jim became the sole owner of the policy. They were happy they took out the insurance when they did because a few years later Karen developed type 1 diabetes.  \nAfter 10 years of marriage Karen and Jim went through a bitter divorce, selling the house and going their separate ways. Jim had even moved to another province and both Karen and the agent had lost all contact with him. After the divorce Karen met with the agent to request a change to the policy in naming a new beneficiary on her life.  \nWhat course of action should the agent take?  \na) The agent should contact the insurance company, explain the situation and request the beneficiary change be made using the proper forms.  \nb) The agent should have the policy converted into two separate policies so that Karen can make the necessary changes.  \nc) The agent must explain to Karen that since Jim is the sole owner of the policy, only he can approve any changes to the status of the policy or its beneficiaries.  \nd) The agent must explain to Karen that since the policy was approved to cover the mortgage on a home they no longer own, the coverage is no longer in effect, so the policy will be cancelled.  \nCorrect answer: c)  \nExplanations  \nJim is the sole policy owner or policyholder and consequently is the individual or legal person who has legal ownership of the policy and exercises the contractual and statutory rights that go with being the owner. The policyholder may change a beneficiary using a beneficiary designation/change form issued by the insurer, unless the existing designation is irrevocable.  \nReferences  \nReference manual: Ethics and professional practice, 2nd Edition, 2015 , sections 2.1.2 and 2.1.4  \nEvaluated competency sub-component in Curriculum: 1.2. Characterize the parties involved in the contract  \nEthics and professional practice (Canada)  \nQuestion 3  \nO","cbCaiiBGRDbjsES7","https://ap.wps.com/l/cbCaiiBGRDbjsES7","pdf",51789,"English","# Ethics and professional practice (Canada)\n## Question 1: DNCL and unlicensed assistant calls\n## Question 2: Beneficiary change after divorce and sole ownership\n## Question 3: When a new term policy is in force","[{\"question\":\"In Question 1, what should Suzanne tell Rosy regarding DNCL and solicitation?\",\"answer\":\"Rosy should restrict calls to businesses and arrange meetings with Suzanne to discuss insurance needs. Shared background calls are not generally exempt, and Rosy is not licensed to solicit insurance.\"},{\"question\":\"In Question 2, who can approve beneficiary changes after Jim is the sole owner of the policy?\",\"answer\":\"Only Jim, as sole policy owner, can approve any changes to the policy status or its beneficiaries. The agent should explain this to Karen.\"},{\"question\":\"In Question 3, when is Anne's new term policy deemed to be in force?\",\"answer\":\"The policy takes effect when it is delivered, accepted, and the first month's premium is received. In the scenario, this is May 25th.\"}]","Ethics and professional practice (Canada) - Exam Questions | PDF",25]