[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s1-10-030":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"senior_fin_s1-10-030","10",30,"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？",[13,14,15,16],"50 歲","55 歲","60 歲","65 歲",3,"高齡金融相關商品",1,"為強化高齡消費者的保險權益保障,主管機關修正保險業招攬及核保理賠辦法與相關自律規範,要求業務人員招攬 65 歲以上客戶投保時,應評估客戶是否具有辨識不利其投保權益情形之能力,並就特定商品採行錄音錄影或適當輔助措施,必要時通知家屬陪同,以防範不當銷售與認知退化下的錯誤決策,故選 (D)。(A) 50 歲與 (B) 55 歲並非現行高齡投保保護措施的門檻。(C) 60 歲雖是老人福利機構自費收住的放寬年齡,卻不是保險招攬的高齡客戶認定標準。年逾 70 或 75 歲另有更嚴格的關懷提問程序。","medium",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"senior_fin_s1-10-029","下列何者不是常見的長照三寶的保險類型？",29,{"id":28,"question":29,"qno":30},"senior_fin_s1-10-049","有關長壽風險的敘述，下列何者正確？",49,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":40,"question":41,"qno":26},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",{"id":43,"question":44,"qno":10},"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？",1784944956777]