[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s1-8-049":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_s1-8-049","8",49,"現有保險市場上，所謂「長照三寶」，通常是指下列哪些險種？ A.小額終老保險 B.長期照顧保險 C.失能扶助險 D.年金保險 E.養老保險 F.特定傷病保險",[13,14,15,16],"僅 ABC","僅 BCD","僅 BCF","僅 BDF",2,"高齡金融相關商品",1,"保險市場俗稱的長照三寶,指同樣以照顧失能或重大身心狀況為給付觸發、但認定標準各異的三張保單:長期照顧保險以生理或認知功能障礙經評估符合狀態並持續一定期間為要件;失能扶助險以失能等級表判定,達一定等級按月給付;特定傷病險列舉腦中風、阿茲海默症、帕金森氏症等,經診斷確定即給付。三者對應 B、C、F,故選 (C)。A 小額終老保險是低保額終身壽險。D 年金保險屬長壽風險工具而非失能給付。E 養老保險為生死合險,滿期或身故給付,均不在長照三寶之列。","medium",[23,27,31,34,38,42],{"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_s1-10-030","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":10},"senior_fin_s1-10-049","有關長壽風險的敘述，下列何者正確？",{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":26},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",1784944957537]