[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_tools-48-041":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-48-041","48",41,"下列何種保險同時兼具保障與儲蓄兩種特質？",[13,14,15,16],"生存保險","定期壽險","長期看護保險","生死合險",3,"保險的運用",1,"同時兼具保障與儲蓄的是生死合險，正解為(D)。生死合險（養老保險）結合生存保險與死亡保險，被保險人於保險期間身故有死亡給付具保障功能，若生存至滿期則領取滿期保險金具儲蓄功能，兩種特質兼備。(A)生存保險僅在被保險人存活至約定時點才給付、偏儲蓄性質而缺身故保障；(B)定期壽險只在約定期間內身故才理賠、期滿無給付，屬純保障型且保費較低；(C)長期看護保險保障的是被保險人因失能或失智需要長期照護的風險，屬健康險範疇，均非同時涵蓋生存給付與死亡給付的商品，故不選。","easy",[23,27,31,35,38,42],{"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-46-039","下列何者非屬生存保險之特性？",39,{"id":32,"question":33,"qno":34},"fin_plan_tools-46-040","有關旅行平安險，下列敘述何者錯誤？",40,{"id":36,"question":37,"qno":10},"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？",{"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？",43,1787293950755]