[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_tools-48-042":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-48-042","48",42,"定期壽險與終身壽險的基本差異在於下列何項？",[13,14,15,16],"保險標的","保險事故","保險期間","保險公司",2,"保險的運用",1,"定期壽險與終身壽險最根本的差別在保險期間，正解為(C)。定期壽險僅保障約定的一段固定期間，例如十年或二十年，期滿契約即終止、保障失效；終身壽險則保障至被保險人身故為止，沒有期間限制，最終必然發生給付。兩者的保險標的同為被保險人的生命、保險事故同為死亡，(A)保險標的與(B)保險事故並無不同，故不構成基本差異；(D)保險公司只是承保機構，同一種商品可由不同公司銷售，更非兩者的本質區別。正因保障年限不同，終身壽險保費通常高於同保額的定期壽險，並具有保單價值準備金。","easy",[23,27,31,35,39,42],{"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":38},"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":40,"question":41,"qno":10},"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？",{"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？",43,1787293950768]