[{"data":1,"prerenderedAt":44},["ShallowReactive",2],{"q-senior_fin_s2-8-050":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_s2-8-050","8",50,"下列哪些保險商品的投保費率會隨著年齡的增加而提高？ A.人壽保險 B.傷害保險 C.健康保險 D.年金保險",[13,14,15,16],"僅 AB","僅 AC","僅 ACD","僅 BCD",1,"高齡金融相關商品","保費隨年齡上升而提高的險種，關鍵在於危險發生率是否與年齡正相關。人壽保險以死亡率為定價基礎，年齡愈高死亡率愈高，保費隨之遞增；健康保險理賠的疾病與住院醫療需求同樣隨年齡明顯攀升，費率亦按年齡分級加價，故 A、C 為是，(B) 正確。傷害保險承保的是意外事故，費率主要依職業危險等級區分，與年齡關聯甚微，故排除含 B 的 (A) 與 (D)。年金保險在相同躉繳保費下，投保年齡愈高、預期給付期間愈短，反而可領取較高年金，並非年齡愈大保費愈貴，故含 D 的 (C) 亦不可選。","medium",[22,26,30,34,38,41],{"id":23,"question":24,"qno":25},"senior_fin_s2-10-029","有關小額終老保險的敘述，下列何者正確？",29,{"id":27,"question":28,"qno":29},"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":31,"question":32,"qno":33},"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":35,"question":36,"qno":37},"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":39,"question":40,"qno":10},"senior_fin_s2-10-050","減額繳清保險會造成下列何種現象？",{"id":42,"question":43,"qno":25},"senior_fin_s2-8-029","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？",1784944959590]