專業考試保險中介人

IIQE 卷三長期保險中介人考試題庫｜壽險牌一次過

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IIQE保險中介人資格考試卷三「長期保險」題庫，免費線上練習，唔使再靠雞精。涵蓋人壽保險產品、年金、保單條款、理賠程序及長期保險監管規定，附計時模擬測驗及錯題重溫。適合投考保險牌照、壽險從業員及轉職人…

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According to the development history and basic definition of life insurance, the main purpose of life insurance’s initial creation is:

當受保人達至指定年齡時，提供一筆過的身故賠償以外的生存利益 --- Provides living benefits in addition to a lump sum death benefit when the insured reaches the specified age

僅為受保人本人提供退休後的長期儲蓄與資產增值保障 --- Only the insured person is provided with long-term savings and asset appreciation protection after retirement.

確保受保人在遭遇意外傷殘時，能獲得醫療開支的實報實銷補償 --- Ensure that the insured can receive actual reimbursement for medical expenses when suffering from accidental disability

在受保人不幸早逝的情況下，為其家屬或受養人提供經濟支援 --- Provide financial support to the insured’s family or dependents in the unfortunate event of premature death

From the perspective of the historical development of life insurance, which of the following is the most fundamental motivation for humans to purchase life insurance in the first place?

作為長期的強制儲蓄安排 --- as a long-term forced savings arrangement

追求資本增值與投資回報 --- Pursue capital appreciation and investment returns

為晚年的退休生活提供穩定的入息 --- Provide stable income for retirement in old age

應對暫時性的需要或潛在的生命威脅 --- Respond to temporary needs or potential life threats

The original and most basic purpose of life insurance is to resolve the financial difficulties arising from the unfortunate death of the insured. Among modern insurance products, which form of insurance (such as term life insurance) best embodies this core protection function against the risk of "untimely death"?

針對受保人身故（尤其是早逝情況）提供經濟保障 --- Provides financial protection in the event of death of the insured, especially in the event of early death

在受保人生存期間，每年為其提供穩定的生活入息 --- Provide a stable living income every year during the life of the insured person

作為長期儲蓄工具，以獲取保單紅利或利息回報 --- As a long-term savings tool to obtain policy dividends or interest returns

為受保人提供終身保障，並確保保單具有現金價值 --- Provides lifelong protection to the insured and ensures the policy has cash value

According to the development history of life insurance, which of the following characteristics did early life insurance contracts mainly have?

本質上屬於短期保障，主要針對被保險人早逝的風險提供補償 --- It is essentially short-term protection and mainly provides compensation for the risk of premature death of the insured.

屬於終身性質的合約，旨在提供直至死亡為止的永久保障 --- A lifetime contract designed to provide permanent protection until death

與物業抵押貸款緊密結合，作為償還貸款的信用保障 --- Closely integrated with property mortgage loans as a credit guarantee for loan repayment

屬於投資相連類型的安排，兼具保障與資本增值功能 --- It is an investment-linked arrangement that has both protection and capital appreciation functions.

If life insurance is defined only as "insurance in which the insurer promises to pay a sum of insurance benefits when the insured dies", based on insurance principles and historical development, which of the following descriptions of this definition are correct? (i) This is a reasonable starting point from the perspective of studying insurance history (ii) Although the scope of the definition is limited, it still has reference value within the feasible scope. (iii) This definition is no longer sufficient to cover and describe modern diversified life insurance products (iv) This definition completely ignores modern insurance elements such as survival benefits or annuities

只有 (i)、(ii) --- Only (i), (ii)

只有 (ii)、(iii) --- Only (ii), (iii)

只有 (i)、(iii)、(iv) --- Only (i), (iii), (iv)

(i)、(ii)、(iii)、(iv) 全部皆是 --- (i), (ii), (iii), (iv) all

From the historical perspective of insurance development, the core purpose of life insurance (Long Term Insurance) was originally designed to provide which of the following protections?

資產增值與長期儲蓄 --- Asset appreciation and long-term savings

因受保人過早死亡而導致的經濟損失 --- Financial loss due to premature death of the insured

退休後的持續生活開支 --- Ongoing living expenses after retirement

因罹患重大疾病導致的醫療費用 --- Medical expenses due to major illnesses

According to the history of life insurance, which of the following distinguishing characteristics did early original life insurance policies have?

保障範圍僅限於因意外事故導致的死亡 --- Coverage is limited to death caused by accident

屬於終身性質的長期死亡保障安排 --- Long-term death protection arrangements of a lifelong nature

僅在受保生命於特定期限屆滿時仍然生存才支付保險金 --- Benefits are paid only if the insured life is still alive at the end of a specified period

保單年期較短，僅在約定的特定期限內提供死亡保障 --- The policy has a shorter term and only provides death protection within a specific agreed period.

Based on the basic principles and practical application of life insurance, which of the following is not a legitimate or primary purpose of life insurance?

作為長期儲蓄工具，以應付子女未來的教育開支 --- As a long-term savings tool to meet your children’s future education expenses

利用保單結構作為非法逃避繳納法定稅款的手段 --- Using policy structures as a means to illegally avoid paying statutory taxes

為受保人提供身故保障，以滿足家庭短暫的財務需求 --- Provides death protection to the insured to meet the family’s short-term financial needs

透過具備現金價值的保單，為退休後的晚年生活提供經濟支持 --- Provide financial support for your later life after retirement through a policy with cash value

When assessing the suitability of various life insurance products, what are the most common criteria used by insurance intermediaries?

保險合約的簽發地點及適用法律管轄區 --- The place where the insurance contract is issued and the applicable legal jurisdiction

保單預期可派發的非保證紅利水平 --- The level of non-guaranteed dividends expected to be paid by the policy

產品功能迎合個人及商業需要的程度 --- The extent to which product features meet personal and business needs

保單所選用的計價貨幣及其匯率穩定性 --- The denomination currency selected for the policy and its exchange rate stability

Which of the following best describes the "modern view" of the primary purpose of purchasing life insurance products?

作為一種高槓桿的投機工具，旨在獲取短期資本增值 --- As a highly leveraged speculative instrument designed to obtain short-term capital appreciation

純粹為了在受保人身故時提供一筆定額的喪葬費用 --- It is purely to provide a fixed amount of funeral expenses when the insured person dies.

作為一種靈活的財務工具，用以滿足人生不同階段的多樣化財務需求 --- As a flexible financial tool to meet diverse financial needs at different stages of life

作為一種絕對優於銀行存款的保證回報儲蓄方案 --- As a guaranteed return savings solution that is definitely better than bank deposits

In the process of planning and entering into a life insurance contract, what should be the most important and fundamental consideration for the policyholder (or the insured)?

保險公司的資產規模與市場佔有率 --- Asset size and market share of insurance companies

保單的分紅機制（如英式紅利或美式紅利） --- The dividend mechanism of the policy (such as British bonus or American bonus)

保單是否能滿足個人、家庭或商業上的實際需要 --- Whether the policy meets your actual personal, family or business needs

保單保費與賠償金所採用的結算貨幣 --- The settlement currency used for policy premiums and benefits

Life insurance needs can be divided into different categories based on the specific circumstances of the policyholder. According to the Study Material Manual, which of the following items are functions or needs of life insurance? (i) Pay for end-of-life and funeral expenses after the death of the insured person (ii) Provide protection for "key persons" in the enterprise to compensate for the loss of profits caused by their death (iii) Ensure that when one of the business partners dies, the surviving partner has sufficient funds to buy out the deceased’s shares

僅 (i) 及 (ii) --- (i) and (ii) only

僅 (i) 及 (iii) --- (i) and (iii) only

僅 (ii) 及 (iii) --- (ii) and (iii) only

(i)、(ii) 及 (iii) --- (i), (ii) and (iii)

In the application of life insurance, demand is usually divided into two categories: "personal and family needs" and "commercial needs." Which of the following is a "business need" for life insurance?

為合夥經營業務中的合夥人提供股份收購資金 --- Providing funds to partners in a partnership business to acquire shares

為子女未來的高等教育儲備專項經費 --- Reserve special funds for your children’s future higher education

建立家庭緊急儲備金以應對突發的醫療開支 --- Build a family emergency reserve to cover unexpected medical expenses

確保受養人在經濟支柱身故後能維持現有生活水平 --- Ensure that dependents can maintain their current standard of living after the breadwinner dies

In the context of life insurance, insurance intermediaries need to assist clients in evaluating different financial protection objectives. Which of the following items are typical "personal needs" rather than "business needs"? (i) Emergency funds (ii) Educational expenses (iii) Retirement income (iv) Living expenses of dependents

(i)、(ii) 及 (iii) --- (i), (ii) and (iii)

(i)、(ii) 及 (iv) --- (i), (ii) and (iv)

(ii)、(iii) 及 (iv) --- (ii), (iii) and (iv)

(i)、(ii)、(iii) 及 (iv) --- (i), (ii), (iii) and (iv)

Within the practical and legal framework of life insurance, which of the following is least likely to be a reasonable need or legitimate motive for the policyholder to purchase life insurance?

滿足個人或家庭在特定期間內的暫時性潛在財務保障需要 --- Meet the temporary potential financial security needs of an individual or family for a specific period of time

作為個人長期財務規劃的一部分，以達成儲蓄或資產增值目標 --- As part of personal long-term financial planning to achieve savings or asset growth goals

純粹基於他人可能死亡的預期，而進行的射倖性投機活動 --- Shooting speculation based purely on the expectation that another person may die

以上各項均是購買人壽保險的常見合理需求 --- All of the above are common and reasonable needs for purchasing life insurance.

In the application of life insurance, insurance needs can be divided into personal needs and business needs. Which of the following items are considered "business needs" rather than personal needs? (i) Partnership Insurance (ii) Key Person Insurance (iii) Retirement Income (iv) Employee Benefit Schemes

(i), (ii), (iii) --- (i), (ii), (iii)

(i), (ii), (iv) --- (i), (ii), (iv)

(ii), (iii), (iv) --- (ii), (iii), (iv)

(i), (ii), (iii), (iv) --- (i), (ii), (iii), (iv)

When processing a life insurance claim, the insurer must determine that the insured's death or disability was a direct result of the insured peril. This judgment mainly depends on which of the following insurance principles?

彌償原則 --- indemnity principle

代位權原則 --- principle of subrogation

近因原則 --- proximate cause principle

可保權益原則 --- insurable interest principle

According to Hong Kong law and insurance principles, which of the following descriptions of "Insurable Interest" in life insurance is the most correct?

它純粹是保險業的行政指引，並非普通法或成文法的要求 --- It is purely an administrative guideline for the insurance industry and is not a requirement under common law or statutory law.

香港的法定條文已擴闊了其適用範圍（例如對未成年子女的保障） --- Hong Kong’s statutory provisions have broadened their scope of application (e.g. protection of minor children)

在壽險保單轉讓時，受讓人（承讓人）必須對受保人具有可保權益 --- When a life insurance policy is transferred, the transferee must have an insurable interest in the insured

可保權益僅限於存在血緣或婚姻關係的家庭成員之間 --- Insurable interests are limited to family members related by blood or marriage

According to Hong Kong insurance laws and related principles, under which of the following circumstances is the policyholder deemed to have an insurable interest in the life of the insured? (i) A creditor insures the life of his debtor (ii) The father insures the life of his son who is 25 years of age or older and is financially independent (iii) Business partners take out insurance on the lives of their business partners (iv) An individual takes out insurance on the life of his divorced ex-spouse

(i) 及 (ii) --- (i) and (ii)

(i) 及 (iii) --- (i) and (iii)

(ii) 及 (iii) --- (ii) and (iii)

(iii) 及 (iv) --- (iii) and (iv)

According to the provisions on "Insurable Interest" in Hong Kong's Insurance Ordinance and common law, when purchasing life insurance, which of the following persons does the policyholder have legally recognized insurable interests? (i) Spouse of the policy holder (ii) The policy holder’s biological children who are only eight years old (iii) Debtors who owe a significant debt to the policyholder (iv) Creditors to whom the policyholder owes debts

(i)、(ii) 及 (iii) --- (i), (ii) and (iii)

(i)、(iii) 及 (iv) --- (i), (iii) and (iv)

(i)、(ii) 及 (iv) --- (i), (ii) and (iv)

(ii)、(iii) 及 (iv) --- (ii), (iii) and (iv)

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題庫簡介

Preview questions

According to the development history and basic definition of life insurance, the main purpose of life insurance’s initial creation is:

From the perspective of the historical development of life insurance, which of the following is the most fundamental motivation for humans to purchase life insurance in the first place?

According to the development history of life insurance, which of the following characteristics did early life insurance contracts mainly have?

From the historical perspective of insurance development, the core purpose of life insurance (Long Term Insurance) was originally designed to provide which of the following protections?

According to the history of life insurance, which of the following distinguishing characteristics did early original life insurance policies have?

Based on the basic principles and practical application of life insurance, which of the following is not a legitimate or primary purpose of life insurance?

When assessing the suitability of various life insurance products, what are the most common criteria used by insurance intermediaries?

Which of the following best describes the "modern view" of the primary purpose of purchasing life insurance products?

In the process of planning and entering into a life insurance contract, what should be the most important and fundamental consideration for the policyholder (or the insured)?

In the application of life insurance, demand is usually divided into two categories: "personal and family needs" and "commercial needs." Which of the following is a "business need" for life insurance?

Within the practical and legal framework of life insurance, which of the following is least likely to be a reasonable need or legitimate motive for the policyholder to purchase life insurance?

When processing a life insurance claim, the insurer must determine that the insured's death or disability was a direct result of the insured peril. This judgment mainly depends on which of the following insurance principles?

According to Hong Kong law and insurance principles, which of the following descriptions of "Insurable Interest" in life insurance is the most correct?

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