[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-senior_fin_s1-8-050":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_s1-8-050","8",50,"依據投資型年金保險單示範條款，有關辦理保單借款或終止之規定，下列敘述何者正確？",[13,14,15,16],"要保人得於年金給付開始日後，辦理保單借款","年金給付開始日前，要保人得向壽險公司辦理終止契約","年金給付開始日前，受益人經被保險人同意，得在要保人不知情之下，向壽險公司申請終止契約","年金給付開始日後，要保人得向壽險公司申請保險單借款，其可借金額上限為保單帳戶價值之約定比率",1,"高齡金融相關商品","投資型年金保險單示範條款把契約切成年金給付開始日前的累積期與開始日後的給付期。累積期內保單帳戶價值仍屬要保人可支配資產,要保人得隨時終止契約並領回帳戶價值扣除相關費用後之餘額,故 (B) 正確。(A) 與 (D) 都錯在時點,年金給付開始日後已進入給付狀態,不得終止契約,亦不得以保單借款動用,以確保給付持續性。(C) 錯在權利主體,終止契約是要保人專屬權利,受益人縱經被保險人同意,也不能在要保人不知情下代為申請,否則等同處分他人財產。","hard",[22,26,30,34,37,41],{"id":23,"question":24,"qno":25},"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":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"senior_fin_s1-10-049","有關長壽風險的敘述，下列何者正確？",49,{"id":35,"question":36,"qno":10},"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",{"id":38,"question":39,"qno":40},"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":42,"question":43,"qno":25},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",1784944957541]