[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_tools-47-038":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-47-038","47",38,"下列何者非屬人身的風險？",[13,14,15,16],"死亡","老年","殘廢","火災",3,"保險的運用",1,"人身風險是指發生在人的生命與身體上、可能造成經濟損失的事故。(A)死亡、(B)老年（活得太久導致退休金不足）、(C)殘廢都直接關係到個人的生老病死與工作能力，屬人身風險範疇，可用人壽、年金、傷害等保險轉嫁。(D)火災造成的是房屋、財物等財產的毀損滅失，屬財產風險，應以火災保險等財產險因應，並非發生在人身上的事故，故為答案。此題判別關鍵在分辨「風險標的是人還是物」，凡損失落在財物上者即歸財產風險，落在人的身體或壽命上者才是人身風險。","easy",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"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？",{"id":27,"question":28,"qno":29},"fin_plan_tools-46-039","下列何者非屬生存保險之特性？",39,{"id":31,"question":32,"qno":33},"fin_plan_tools-46-040","有關旅行平安險，下列敘述何者錯誤？",40,{"id":35,"question":36,"qno":37},"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":39,"question":40,"qno":41},"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":43,"question":44,"qno":45},"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？",43,1787293950161]