專業考試保險中介人

IIQE 卷五投資相連保險中介人考試題庫｜ILAS 一次過

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836 題専門 8/8/2026

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IIQE保險中介人資格考試卷五「投資相連長期保險」題庫，免費線上練習，唔使再靠雞精。涵蓋投連壽險ILAS產品特性、收費結構、銷售流程、風險披露及法規要求，附計時模擬測驗。適合投考保險牌照及銷售投連產品…

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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？ --- According 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?

保單條文必須訂明保單持有人僅須承擔與其利益相連之投資的部分風險 --- The policy provisions must provide that the policyholder shall bear only part of the risks of the investment in which he or she is interested

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 --- The policy provisions must stipulate that the policyholder shall bear all risks of the investments connected with his interests

保單必須容許保單持有人直接挑選個別股票或債券作為投資組合 --- The policy must allow the policyholder to directly select individual stocks or bonds as part of the investment portfolio

以上各項皆不正確 --- None of the above is correct

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》，下列哪些描述準確地凸顯了「類別 C－相連長期業務」保單的特點？ (i) 保單持有人通常有權從保險公司提供的一系列投資基金中選擇其投資資產 (ii) 保單所提供的利益，全部或部分是參照指定資產的價值或從該等資產所得的收入而釐定 (iii) 保單持有人須承擔全部或部分與其保單利益掛鉤的投資風險 --- According to the "Guidelines on Classification of Class C - Linked Long-term Business" issued by the Insurance Authority, which of the following descriptions accurately highlight the characteristics of "Category C - Linked Long-term Business" policies? (i) Policyholders usually have the right to choose their investment assets from a range of investment funds offered by the insurer (ii) The benefits provided by the policy are determined in whole or in part by reference to the value of designated assets or the income derived from those assets (iii) Policyholders are required to bear all or part of the investment risks linked to the benefits of their policies

只有 (i) 及 (ii) --- Only (i) and (ii)

只有 (i) 及 (iii) --- Only (i) and (iii)

只有 (ii) 及 (iii) --- Only (ii) and (iii)

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

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》，該指引的主要發出目的是： --- According to the "Classification Guidelines for Category C - Connected Long-term Business" issued by the Insurance Authority, the main purposes of the guidelines are:

為保險中介人制定銷售相連長期業務的佣金上限與限制 --- Establish commission caps and limits for insurance intermediaries on sales of linked long-term business

減少市場對於類別 B（婚姻及出生）與類別 C（相連長期）業務之間的分類混淆 --- Reduce market confusion between Category B (marriage and birth) and Category C (connected long-term) businesses

減少市場對於類別 A（人壽及年金）與類別 C（相連長期）業務之間的分類混淆 --- Reduce market confusion between Category A (life and annuity) and Category C (linked long-term) businesses

明確區分一般保險業務與類別 C（相連長期）業務的法定償付能力要求 --- Clear distinction between statutory solvency requirements for general insurance business and Category C (connected long-term) business

為了有效減少市場對於「人壽保險」與「相連長期保險」在業務性質上的混淆，相關監管機構已發出專門指引，以明確界定這兩類業務的區別。該指引的正確名稱為： --- 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:

《有關類別 A 及 C ─ 相連長期業務指引》 --- "Guidelines for Categories A and C - Connected Long-term Business"

《有關類別 C ─ 相連長期業務分類指引》 --- "Guidelines on Classification of Category C - Connected Long-term Business"

《有關類別 A ─ 人壽及死亡保險業務指引》 --- "Guidelines on Category A - Life and Death Insurance Business"

《有關類別 C ─ 投資相連壽險產品披露指引》 --- "Related Category C – Disclosure Guidelines for Investment-Linked Life Insurance Products"

根據香港《保險業條例》對長期業務的分類，若一家保險公司擬在香港經營及承保「投資相連長期業務」（Linked Long Term Business），該公司必須獲得保險業監管局授權經營下列哪一類別的業務？ --- 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?

長期業務 B 類（婚姻及出生） --- Long-term business category B (marriage and birth)

長期業務 A 類（人壽及年金） --- Long-term business Category A (life and annuity)

長期業務 D 類（永久健康） --- Long-term business category D (permanent health)

長期業務 C 類（投資相連業務） --- Long-term business category C (investment-linked business)

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參照任何類別的財產價值而釐定 (iii) 保單利益全部或部分參照從任何類別的財產中獲得的收入而釐定 (iv) 該類保單的投資風險主要由保單持有人承擔 --- 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

只有 (i) 及 (ii) --- Only (i) and (ii)

只有 (ii) 及 (iii) --- Only (ii) and (iii)

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

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

根據《保險業條例》及相關監管指引，關於「相連長期業務」（類別 C 業務）所支付的保險利益，下列哪些陳述是正確的？ (i) 保單所提供的保險利益，其價值全部或部分參照特定資產的價值或收益而釐定 (ii) 相關資產的價值波動會直接影響保單持有人可獲得的保險利益 (iii) 保單必須明確列明所連結的特定資產、基金或指數 (iv) 該類業務所涉及的資產類型必須符合監管機構對核准資產的相關規定 --- According to the Insurance Ordinance and relevant regulatory guidance, which of the following statements are correct regarding insurance benefits paid for "connected long-term business" (Category C business)? (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) Fluctuations in the value of underlying assets will directly affect the insurance benefits available to policyholders (iii) The policy must clearly state the specific asset, fund or index to which it is linked (iv) The types of assets involved in this type of business must comply with the relevant regulations on approved assets by the regulatory agency

只有 (i) 及 (ii) --- Only (i) and (ii)

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

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

(i)、(ii)、(iii) 及 (iv) 全部皆是 --- All of (i), (ii), (iii) and (iv)

根據香港《保險業條例》中對「類別 C：相連長期業務」的定義，下列哪些描述準確反映了投資相連長期保單的法定特點？ (i) 該類保單被界定為並非由人壽保險組成的個人保險業務 (ii) 該類保單包含人壽保險合約及支付年金合約 (iii) 保單利益全部或部分參照任何種類的財產價值，或從該等財產中獲得的收入而釐定 (iv) 保單利益全部或部分參照任何財產價值的波動情況，或參照任何財產價值的指數波動而釐定 --- 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) Such policies include life insurance contracts and annuity payment 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

只有 (i) 及 (iv) --- Only (i) and (iv)

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

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

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

根據《投資相連長期保險》研習資料手冊，關於不同地區對投資相連產品的稱謂，以下哪一個國家或地區最常將此類產品稱為「投資相連壽險/年金」(Linked Long-term Life/Annuity)？ --- According to the "Investment-Linked Long-term Insurance" study manual, regarding the names of investment-linked products in different regions, which of the following countries or regions most often refers to such products as "Linked Long-term Life/Annuity"?

美國 --- USA

泛指全球壽險市場 --- Refers generally to the global life insurance market

香港及亞洲地區 --- Hong Kong and Asia

英國 --- U.K.

在國際保險市場中，投資相連壽險保單在不同地區有不同的稱呼。以下哪些國家或地區通常「不使用」單位相連人壽保險（Unit-Linked Life Insurance）這一術語，而是更常使用其他名稱（如變額壽險）： (i) 美國 (ii) 英國 (iii) 北亞地區 (iv) 歐洲大陸及開發中國家 --- 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

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

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

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

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

在人壽保險產品中，傳統保單通常採用定額保費制度。根據產品特性，下列哪一類保險產品最不可能採用定額保費（Fixed Premium）形式？ --- 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?

分紅終身壽險 --- Participating whole life insurance

不分紅儲蓄壽險 --- Non-participating savings life insurance

不分紅終身壽險 --- Non-participating whole life insurance

投資相連壽險保單 --- Investment-linked life insurance policy

在美國的保險市場中，投資相連壽險（Linked Long Term Insurance）通常被稱為「變額壽險」（Variable Life Insurance）。根據其保費結構與產品特性，下列哪些名稱在美國亦被用於指代此類產品？ (i) 靈活保費變額壽險 (Flexible Premium Variable Life Insurance) (ii) 固定保費變額壽險 (Fixed Premium Variable Life Insurance) (iii) 萬用變額壽險 (Variable Universal Life Insurance) --- 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

只有 (i) 及 (ii) --- Only (i) and (ii)

只有 (i) 及 (iii) --- Only (i) and (iii)

只有 (ii) 及 (iii) --- Only (ii) and (iii)

(i)、(ii) 及 (iii) 全部都是 --- (i), (ii) and (iii) are all

在投資相連長期保單的分類中，「固定保費變額壽險」(Scheduled Premium Variable Life Insurance) 通常亦被簡稱為下列哪項名稱？ --- Among the classifications of investment-linked long-term policies, "Scheduled Premium Variable Life Insurance" is often referred to as which of the following names?

固定保費壽險 --- fixed premium life insurance

萬用壽險 --- Universal life insurance

變額壽險 --- variable life insurance

非分紅終身壽險 --- Non-participating whole life insurance

根據香港保險市場的發展與《研習資料手冊》的分類，下列哪一項或哪些屬於香港目前最流行的投資相連長期保險產品類型？ --- 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?

靈活保費變額壽險 --- Flexible premium variable life insurance

變額萬用壽險 --- Variable universal life insurance

萬用變額壽險 --- Universal variable life insurance

以上所有各項均是 --- All of the above are

投資相連長期保單指“投資相連壽險/年金”, 它在以下哪個地方又稱為“變額壽險/年金”? --- 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"?

香港 --- Hongkong

英國 --- U.K.

美國 --- USA

全世界各地 --- all over the world

變額壽險可分兩類，一種是固定保費變額壽險，另一種是： --- Variable life insurance can be divided into two categories, one is fixed premium variable life insurance, and the other is:

未定保費變額壽險 --- Undetermined premium variable life insurance

可變保費變額壽險 --- variable premium variable life insurance

靈活保費變額壽險 --- Flexible premium variable life insurance

可調整保費變額壽險 --- adjustable premium variable life insurance

以下哪項對於變額壽險/年金的描述是不正確的？ --- Which of the following is incorrect about variable life insurance/annuities?

萬用變額壽險與靈活保費變額壽險有很大的區別 --- There is a big difference between universal variable life insurance and flexible premium variable life insurance

在香港最流行的投資相連壽險是靈活保費變額壽險 --- The most popular investment-linked life insurance in Hong Kong is flexible premium variable life insurance

投資相連年金的產品在香港並不常見 --- Investment-linked annuity products are not common in Hong Kong

萬用壽險是由終身壽險衍生的靈活保費壽險 --- Universal life insurance is a flexible premium life insurance derived from whole life insurance

如要公開發售投資相連長期保單，必須取得證券及期貨事務監察委員會認可，原因是： --- 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:

根據《證券及期貨條例》（香港法例第 571 章）的定義，投資相連保單屬於集體投資計劃 --- Investment-linked policies are collective investment schemes as defined in the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong)

根據《證券及期貨條例》（香港法例第 571 章）的定義，投資相連保單屬於投資計劃 --- Investment-linked policies are investment plans as defined in the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong)

根據《證券及期貨條例》（香港法例第 571 章）的定義，投資相連保單屬於投資相連保單計劃 --- Investment-linked policies are investment-linked policy plans as defined in the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong)

根據《證券及期貨條例》（香港法例第 571 章）的定義，投資相連保單屬於不保證投資計劃 --- Investment-linked policies are non-guaranteed investment plans as defined in the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong)

如要公開發售投資相連長期保單，必須取得證券及期貨事務監察委員會認可，原因是： --- 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:

該等保單同時屬於〈證券投資條例〉及〈保險業條例〉所述的“集體投資計劃” --- These insurance policies fall within the "collective investment schemes" described in both the Securities Investment Ordinance and the Insurance Industry Ordinance.

該等保單屬於〈證券及期貨〉條例所述的“集體投資計劃” --- These policies are "collective investment schemes" as described in the Securities and Futures Ordinance

該等保單同時屬於〈證券投資條例〉及〈保險業條例〉所述的“團體計劃” --- These policies are "group plans" as described in both the Securities Investment Ordinance and the Insurance Industry Ordinance.

該等保單同時屬於〈證券投資條例〉及〈保險業條例〉所述的“集體計劃” --- These policies are "group plans" as described in both the Securities Investment Ordinance and the Insurance Industry Ordinance.