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20 questions available freeAccording to the "Classification Guidance on Class C – Linked Long-Term Business" issued by the Insurance Authority, which of the following descriptions of the characteristics that a Class C policy must have is correct?
Under the Guideline on Classification of Class C – Linked Long Term Business (GL11), which are listed features of Class C policies? A policy must exhibit one or more of these features; they are not all cumulative requirements. (i) The policyholder can select linked assets from a range of investment funds (ii) Benefits are wholly or partly determined by reference to specified assets or their income (iii) The policyholder is contractually bound to bear part or all of the linked investment risk
According to the "Guideline on Classification of Class C – Linked Long Term Business" issued by the Insurance Authority, the main purposes of the guidelines are:
In order to effectively reduce market confusion about the business nature of "life insurance" and "linked long-term insurance", relevant regulatory agencies have issued special guidelines to clearly define the differences between the two types of business. The correct name of the guideline is:
According to the classification of long-term business under the Insurance Ordinance of Hong Kong, if an insurer intends to operate and underwrite "Linked Long Term Business" in Hong Kong, the company must obtain authorization from the Insurance Authority to operate which of the following types of business?
According to the Insurance Ordinance and relevant regulatory guidelines, regarding the definition of "investment-linked long-term insurance policy" (Category C business), which of the following descriptions are correct? (i) The policy relates to life insurance or a contract for the payment of life annuities (ii) Policy benefits are determined in whole or in part by reference to the value of any class of property (iii) Policy benefits are determined in whole or in part by reference to income derived from any class of property (iv) The investment risk of this type of insurance policy is mainly borne by the policyholder
According to the Insurance Ordinance and relevant regulatory guidance, which of the following statements are correct regarding insurance benefits paid for Linked Long Term business (Class C)? (i) Insurance benefits provided by a policy, the value of which is determined in whole or in part by reference to the value or income of a specific asset (ii) The portion of benefits contractually linked to asset values is affected by changes in those values (iii) The business can be linked long term business whether or not the property referred to is specified in the contract (iv) The policy provisions may state that the policyholder bears all or part of the investment risk linked to the benefits
According to the definition of "Category C: linked long-term business" in Hong Kong's Insurance Ordinance, which of the following descriptions accurately reflect the statutory characteristics of investment-linked long-term policies? (i) Such policies are defined as personal insurance business that does not consist of life insurance (ii) The class covers life-insurance contracts or life-annuity contracts (iii) Policy benefits are determined in whole or in part by reference to the value of property of any kind or the income derived from such property (iv) Policy benefits are determined in whole or in part by reference to fluctuations in the value of any property, or by reference to index fluctuations in the value of any property
According to the study manual, which term is commonly used in the United Kingdom for investment-linked insurance policies?
In the international insurance market, investment-linked life insurance policies have different names in different regions. In which of the following countries or regions does the term unit-linked life insurance (Uni-Linked Life Insurance) generally not be used, but other names (such as variable life insurance) are more commonly used: (i) United States (ii) United Kingdom (iii) North Asia (iv) Continental Europe and developing countries
Among life insurance products, traditional policies usually adopt a fixed premium system. Based on product characteristics, which of the following types of insurance products is least likely to be in the form of fixed premium?
In the U.S. insurance market, investment-linked life insurance (Linked Long Term Insurance) is often called "Variable Life Insurance". Based on its premium structure and product characteristics, which of the following names are also used to refer to this type of product in the United States? (i) Flexible Premium Variable Life Insurance (ii) Fixed Premium Variable Life Insurance (iii) Variable Universal Life Insurance
Among the classifications of investment-linked long-term policies, "Scheduled Premium Variable Life Insurance" is often referred to as which of the following names?
According to the development of the insurance market in Hong Kong and the classification in the Study Material Manual, which one or more of the following is currently the most popular type of investment-linked long-term insurance product in Hong Kong?
Investment-linked long-term policy refers to "investment-linked life insurance/annuity". In which of the following places is it also called "variable life insurance/annuity"?
Variable life insurance can be divided into two categories, one is fixed premium variable life insurance, and the other is:
Which of the following is incorrect about variable life insurance/annuities?
If an investment-linked long-term policy is to be offered to the public, it must obtain approval from the Securities and Futures Commission for the following reasons:
If an investment-linked long-term policy is to be offered to the public, it must obtain approval from the Securities and Futures Commission for the following reasons:
Which of the following is unlikely to be associated with an investment-linked long-term policy?
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根據本題庫其中 617 條有足夠作答樣本嘅題目、累計 24,201 次真實作答統計，以下選項最多考生揀錯——溫習時特別留神。
1
根據《保險業條例》及相關監管指引，關於「投資相連長期保單」（類別C業務）的定義，下列哪些描述是正確的？ (i) 該保單涉及人壽保險或支付人壽年金的合約 (ii) 保單利益全部或部分…
最多人誤揀：(i)、(ii)、(iii) 及 (iv)
42% 作答者揀咗呢個錯誤選項 · 此題累計 77 次作答
2
根據保險業監管局發出的《有關類別 C － 相連長期業務的分類指引》，下列哪項關於類別 C 保單必須具備的特徵描述是正確的？
最多人誤揀：保單條文必須訂明保單持有人須承擔與其利益相連之投資的全部風險
34% 作答者揀咗呢個錯誤選項 · 此題累計 70 次作答
3
所有與保單有關之投資風險由保險人承擔之保單為：
最多人誤揀：投資相連保單
37% 作答者揀咗呢個錯誤選項 · 此題累計 63 次作答
4
根據卷五研習資料手冊第4.16.6節，投資相連保單的基金業績報告（Fund Performance Report）下列哪些屬手冊明列的一般報告內容？ (i) 經審核的財務報表摘要 …
最多人誤揀：(i)、(ii)、(iii) 及 (iv)
73% 作答者揀咗呢個錯誤選項 · 此題累計 30 次作答
5
根據《產品披露守則》，投資相連壽險計劃的「主要推銷刊物」中，其「條款概要」部分必須涵蓋下列哪些項目？ (i) 終止保單的條件 (ii) 提早退保或提取款項的發還金額計算基礎 (ii…
最多人誤揀：(i)、(ii)、(iii) 及 (iv) 全部皆是
51% 作答者揀咗呢個錯誤選項 · 此題累計 41 次作答
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