[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-senior_fin_s1-10-029":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"senior_fin_s1","高齡金融規劃顧問師資格測驗——第一節","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"senior_fin_s1-10-029","10",29,"下列何者不是常見的長照三寶的保險類型？",[13,14,15,16],"失能扶助險","終身癌症還本險","長期照顧險","嚴重特定傷病險",1,"高齡金融相關商品","業界俗稱的「長照三寶」,指理賠設計上針對長期照顧需求的三類商品:長期照顧保險以巴氏量表等生理或認知功能的失能狀態為理賠依據、失能扶助險以失能等級表所定等級認定、嚴重特定傷病險則以契約列舉的重大疾病或傷病確診為給付要件,故 (A)(C)(D) 皆屬之。(B) 終身癌症還本險以罹癌診斷與治療行為為給付基礎,並帶有滿期或身故還本的儲蓄性質,本質是特定疾病與資產累積商品,不以失能或長期照顧需求為理賠條件,故為正確答案。銷售時應先釐清客戶要補的是失能照護現金流,還是一次性醫療費用。","easy",[22,26,30,34,38,41],{"id":23,"question":24,"qno":25},"senior_fin_s1-10-030","主管機關近年來積極推動保險業者強化對高齡消費者保險權益之重視，修法要求業務人員針對幾歲以上之客戶，應評估其是否具有辨識不利其投保權益情形之能力？",30,{"id":27,"question":28,"qno":29},"senior_fin_s1-10-049","有關長壽風險的敘述，下列何者正確？",49,{"id":31,"question":32,"qno":33},"senior_fin_s1-10-050","保險契約提供的權利，在這世代有更多元選擇，下列敘述何者正確？ A.契約轉換指的是要保人以現有保險契約，轉換為非同一保險公司同類型保險契約 B.保額調整是無條件，提供要保人申請保額提高，或降低的權利 C.保險單借款是指若有保單價值準備金的商品，可在其範圍內向保險公司辦理保單借款 D.保單提前（生前）給付，當其存活餘命經醫學專業判斷已低於一定期間，可向保險公司申請提前給付保險金額之全部或一部",50,{"id":35,"question":36,"qno":37},"senior_fin_s1-10-055","有關高齡相關金融商品的性質及特色，下列敘述何者正確？",55,{"id":39,"question":40,"qno":10},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",{"id":42,"question":43,"qno":25},"senior_fin_s1-8-030","將人壽保險中的保單價值準備金作為一次躉繳保險費，讓契約到滿期都不必再繳保費，但之後保險期間的保額通常會較原保額低。這種「保額降低、保險期間不變」的保險契約變更方式，稱之為下列何者？",1784944956753]