[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-senior_fin_s2-8-029":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"senior_fin_s2","高齡金融規劃顧問師資格測驗——第二節","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_s2-8-029","8",29,"採用第六回經驗生命表計算出來死亡保險的保費金額，會比用第五回經驗生命表算出來的保費金額高或低？",[13,14,15,16],"高","低","不變","不一定",1,"高齡金融相關商品","(B) 正確。經驗生命表是壽險保費計算的死亡率基礎，我國自第五回改用第六回經驗生命表時，因國人平均餘命延長、各年齡層死亡率普遍下降，死亡保險（如定期壽險、終身壽險）的預期給付機率隨之降低，在其他假設不變下純保費及總保費因而調降，故第六回算出的死亡險保費低於第五回。反之，年金保險與生存給付型商品因被保險人活得更久、給付期間拉長，保費會上升。(A) 方向相反，僅適用於年金險。(C) 死亡率既已改變，保費不可能維持不變。(D) 就死亡保險而言，死亡率下降對保費的影響方向明確，並非不一定。","medium",[22,25,29,33,37,41],{"id":23,"question":24,"qno":10},"senior_fin_s2-10-029","有關小額終老保險的敘述，下列何者正確？",{"id":26,"question":27,"qno":28},"senior_fin_s2-10-030","有關實支實付型與日額型的敘述，下列何者正確？",30,{"id":30,"question":31,"qno":32},"senior_fin_s2-10-031","有關中央銀行 113 年 10 月 09 日公布「中央銀行對金融機構辦理不動產抵押貸款業務規定」（以下簡稱本規定）之協處措施，下列敘述何者錯誤？",31,{"id":34,"question":35,"qno":36},"senior_fin_s2-10-049","重大疾病保險的保障範圍通常包含下列哪一項？",49,{"id":38,"question":39,"qno":40},"senior_fin_s2-10-050","減額繳清保險會造成下列何種現象？",50,{"id":42,"question":43,"qno":28},"senior_fin_s2-8-030","有關長期照顧保險，約定範圍包含生理功能障礙及認知功能障礙，其對於障礙之定義，並不包括下列何者？",1784944959338]