[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s1-9-028":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_s1-9-028","9",28,"甲媽媽擔心天有不測風雲，倘未來不幸發生事故，其獨子小丙尚且年幼，生活費用將陷入困境，朋友建議她可先購買保單並委託銀行辦理保險金信託，下列敘述何者錯誤？",[13,14,15,16],"保險金信託屬於自益信託","保險金信託屬於金錢債權信託","信託契約須由保單受益人與銀行簽訂","保單要保人需向保險公司辦理保單批註並約定將來保險理賠金限匯入「保險受益人之信託財產專戶」",1,"高齡金融相關商品","(B) 錯誤。甲媽媽辦理的保險金信託,信託財產是保險事故發生後由保險公司匯入信託專戶的保險理賠金,性質為金錢信託,而非以保險金請求權本身作為信託財產的金錢債權信託;正因如此,契約簽訂時信託專戶餘額為零,須待理賠款入帳後受託銀行才開始管理運用並按期給付小丙生活費。(A) 正確,委託人是保單受益人小丙、受益人亦為小丙,屬自益信託,故 (C) 也正確,契約須由保單受益人(未成年時由法定代理人代理)與銀行簽訂。(D) 正確,要保人甲媽媽須向保險公司辦理保單批註,約定理賠金限匯入受益人的信託財產專戶,以確保理賠金不被挪用。","hard",[22,26,30,34,38,42],{"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":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":25},"senior_fin_s1-8-029","有關生死合險，下列敘述何者錯誤？",1784944957910]