[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_tools-46-039":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_tools","理財規劃人員專業能力測驗——理財工具","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_tools-46-039","46",39,"下列何者非屬生存保險之特性？",[13,14,15,16],"被保險人於保險期間內死亡無保險給付","有零存整付之儲蓄意義","被保險人於保險期間內全殘依約定給付保險金","提供保戶在一定期間後，如期獲得一筆資金以應付其需要",2,"保險的運用",1,"生存保險的核心是「被保險人須生存至保險期滿才領回保險金」，帶有零存整付的儲蓄意義，屆期一次領到一筆資金以應付子女教育、退休等特定需求，故 (A)(B)(D) 都是它的固有特性。反觀 (C) 全殘依約給付，屬於傷害保險或含殘廢保障之壽險的內容，並非單純生存保險的承保範圍。生存保險期間內若死亡或全殘，通常僅退還所繳保費或無給付，重點在「活著到期」這個條件，這也是它與死亡保險、生死合險最大的分野，因此 (C) 非屬生存保險特性，為正解。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_tools-46-038","依主管機關頒布之「人壽保險單示範條款」規定，下列何者非屬保險理賠之除外責任項目？",38,{"id":28,"question":29,"qno":30},"fin_plan_tools-46-040","有關旅行平安險，下列敘述何者錯誤？",40,{"id":32,"question":33,"qno":34},"fin_plan_tools-46-041","某甲為全家人投保壽險，全年所繳保費為：本人 30,000 元、妻子 28,000 元、兒子 18,000 元、女兒 15,000 元、若全家合併申報綜合所得稅採列舉扣除方式，則可扣除之保險費為下列何者？",41,{"id":36,"question":37,"qno":38},"fin_plan_tools-46-042","下列何種養老保險係為因應通貨膨脹以確保將來給付時之保單價值所設計之保險？",42,{"id":40,"question":41,"qno":42},"fin_plan_tools-46-043","下列何種保險係以「非由疾病引起之外來突發事故所致之傷害、殘廢與死亡」為保險事故？",43,{"id":44,"question":45,"qno":26},"fin_plan_tools-47-038","下列何者非屬人身的風險？",1787293949480]