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M9 — Life Insurance & ILP
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775 題 7/11/2026
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免費體驗 20 題Mr. Tan has purchased several insurance policies from a single insurer, with a total sum assured of S$1 million. What is a crucial point he should be aware of?
Life insurance products are generally not categorised based on which of the following?
In an investment-linked policy, when the premium holiday feature is activated and no premium is paid, the insurer will sell existing units from the policy to cover which of the following?
In an annuity, what is the term for the interval between the first premium payment and the commencement of payments to the annuitant?
Which of the following statements best describes a Regular Premium Investment-Linked Insurance Policy that is back-end loaded?
Which of the following best defines the concept of 'Dollar Cost Averaging'?
___________ funds are typically structured as closed-end funds, meaning they have a limited subscription period and a fixed maturity date.
A policy owner made a revocable nomination on his whole life policy with a sum assured of $100,000, naming his church as beneficiary. Upon his death, the insurer paid the sum assured to the church. It was later discovered that the deceased had an estate debt of $1 million. The estate creditor sued the estate and won. In this situation, the church will be considered a _____________ and must return the proceeds to the rightful owner—the estate creditors.
Your client Jon wants to understand how a term policy with a convertible option works. You explain that he has the right to convert his term policy to:
In a regular premium Investment-Linked Policy, how does the level of insurance protection affect the cash value?
In an Investment-Linked Policy, 'Initial Sales Charge' and 'Surrender Charge' correspond to which of the following?
Mr. Yan has an annual income of $42,000 and contributes 20% to CPF. He also has a personal insurance premium relief of $1,000 and an earned income relief of $1,000. What is his chargeable income?
The life insured stated in the application that he was 45 years old, but his actual age was 35. What action can the insurer take?
A husband passed away. His wife, being busy, did not file a claim with the insurer. The husband's brother submitted a claim and kept the proceeds for himself. Later, the wife approaches the insurer to make a claim. What is the insurer's obligation?
Mrs. Tang holds a $100,000 whole life policy with a 60% Acceleration Critical Illness (CI) rider and a $100,000 Accidental Death Benefit (ADB) rider. She is diagnosed with a critical illness covered by the CI rider, and the claim is approved. Which of the following statements is false?
Your client purchased a Whole Life policy with a sum assured of $100,000 at age 30, along with the following riders: a Level Term rider of 1 times the basic sum assured, and a Critical Illness rider of 2 times the basic sum assured. If he contracts one of the covered critical illnesses, how much will the insurer pay?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. How many units are allocated to the policy?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. The client wants to withdraw $8,500 seven years later. How many units will be cancelled?
For all calculation questions in this set, use the interest table from the textbook to compute the answers, where applicable. Consider the following details for a Single Premium Investment-Linked Policy: Single Premium = $25,000, Offer price = $1.40, Bid-offer spread = 5% throughout, Policy fee = $100, Administrative fee & Mortality charge = 3% of single premium, and the plan grows at 7% per annum throughout. Assumption: All fees and charges are deducted by cancelling units at the inception of the policy. The client wants to surrender the plan at the end of the 15th year, assuming he has 13,246 units. What is the surrender value?
A Regular Premium Investment-Linked Policy (ILP) has 300 units remaining at the end of the second year. At the start of the third year, a premium of $3,000 is paid with a 70% allocation rate. Given an offer price of $1.20 and a 5% bid-offer spread, calculate the total accumulated units in the policy.
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1
Which of the following descriptions of an Investment-Linked Policy (ILP) is/are true?
最多人誤揀：ILPs provide benefits calculated by reference to units, the …
24% 作答者揀咗呢個錯誤選項 · 此題累計 447 次作答
2
Under the Singapore Income Tax Act, what is the maximum amount a person can claim as relie…
最多人誤揀：S$5,000 or 7% of sum assured, whichever is higher
26% 作答者揀咗呢個錯誤選項 · 此題累計 411 次作答
3
Which scenario best illustrates Moral Hazard?
最多人誤揀：A person with a history of illness increases the likelihood …
24% 作答者揀咗呢個錯誤選項 · 此題累計 427 次作答
4
The Matched Retirement Savings Scheme (MRSS), launched in 2021, aims to help senior Singap…
最多人誤揀：Up to every dollar of cash top-up by the members
31% 作答者揀咗呢個錯誤選項 · 此題累計 307 次作答
5
The payout levels under the CPF Lifelong Income For the Elderly (CPF LIFE) scheme are dete…
最多人誤揀：CPF interest rates
20% 作答者揀咗呢個錯誤選項 · 此題累計 432 次作答
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