[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-senior_fin_s1-8-038":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_s1-8-038","8",38,"有關以房養老的敘述，下列何者錯誤？",[13,14,15,16],"申請以房養老後當事人就不能再居住於此房屋","以房養老又稱逆向抵押貸款，所以需付利息","申請以房養老的房屋產權還是屬於當事人的","申請以房養老可減輕子女奉養負擔",0,"高齡金融相關商品",1,"以房養老即不動產逆向抵押貸款,屋主以自有住宅設定抵押權向銀行借款,銀行按月撥付生活費,借款人仍保有所有權並繼續居住,直到身故或期滿才由繼承人清償或處分房屋抵債。(A) 稱申請後不能再居住,與制度設計正好相反,居住權的保留正是核心賣點,故為錯誤選項。(B) 正確,逆向抵押本質仍是貸款須負擔利息,多採撥付金額內扣。(C) 正確,產權未移轉,僅設定抵押權。(D) 正確,長者將房屋活化為現金流,可自行支應生活與醫療開銷,減輕子女奉養壓力。","easy",[23,27,31,35,39,43],{"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_s1-10-030","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":32,"question":33,"qno":34},"senior_fin_s1-10-049","有關長壽風險的敘述，下列何者正確？",49,{"id":36,"question":37,"qno":38},"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":40,"question":41,"qno":42},"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":44,"question":45,"qno":26},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",1784944957424]