[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s2-9-049":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"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":19,"explanation":20,"difficulty":21},"senior_fin_s2-9-049","9",49,"保險單借款如果未清償的本金及利息總額超過保單價值準備金（或帳戶價值），且經保險公司催告仍未在期限內償還時，則保險契約的效力將會如何？",[13,14,15,16],"停效","失效","終止","解除",0,"高齡金融相關商品",1,"人壽保險單示範條款就保單借款設有停效機制：當借款本金加計利息總額超過保單價值準備金（投資型商品則為帳戶價值）時，保險公司應以書面通知要保人償還，要保人如未於通知到達翌日起三十日內清償，契約效力即行「停止」，(A) 正確。停效並非契約消滅，保單價值準備金仍在，日後得依條款申請復效。(B) 失效與 (D) 解除均使契約自始或確定不生效力，法律效果過重，與借款未償這種可回復事由不相當。(C) 終止指契約向後消滅、保障不再回復，與停效可復效的設計不同。高齡者以保單借款支應醫療支出時，尤須留意利滾利觸發停效的風險。","medium",[23,27,31,35,38,42],{"id":24,"question":25,"qno":26},"senior_fin_s2-10-029","有關小額終老保險的敘述，下列何者正確？",29,{"id":28,"question":29,"qno":30},"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":32,"question":33,"qno":34},"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":36,"question":37,"qno":10},"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？",{"id":39,"question":40,"qno":41},"senior_fin_s2-10-050","減額繳清保險會造成下列何種現象？",50,{"id":43,"question":44,"qno":26},"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？",1784944960218]