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Hong Kong Insurance Licence (IIQE): Which Papers You Actually Need | 2026 Guide

PickMyQuiz
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Hong Kong Insurance Licence (IIQE): Which Papers You Actually Need | 2026 Guide

搜「保險牌」嘅人最想知一件事:究竟要考幾多張卷、幾多錢、幾耐搞掂。麻煩喺於「保險牌」根本唔係一張卷——係按你將來賣咩產品砌出嚟嘅組合,最少兩張、最多四張。本文一次過將整個制度攤開:邊幾張卷、各自考乜、幾錢、幾難,以及最多人搞錯嘅「卷四」同「成績兩年過期」兩件事。

卷一係全部人都要考嘅一張。免費下載 App,逾 900 題離線操練 App StoreGoogle Play

一、一句話答案

卷一(保險原理及實務)人人必考,之後按你賣咩產品加卷:做一般保險加卷二、做人壽及年金加卷三、要賣投資相連(ILAS)就要卷一+卷三+卷五三張齊。

所以常見組合得三個:2 張(卷一+卷二,或卷一+卷三)、3 張(卷一+卷二+卷三,跨兩類業務)、3 至 4 張(要做投連險,卷一+卷三+卷五,如同時做一般保險再加卷二)。冇人係「五張卷全部考晒」。

二、「保險牌 1 2 3 4 5」到底有邊幾張?

好多人搜「保險牌 1 2 3 4 5」,以為係一至五號五張連續嘅卷。實情唔係咁——IIQE(保險中介人資格考試)現行係五張卷,但編號有斷層

卷別 名稱 邊個要考
卷一保險原理及實務(P&P)全部保險中介人
卷二一般保險(GI)做一般保險業務
卷三長期保險(LT)做人壽、年金等長期業務
卷四強積金計劃(MPF)2013 年 5 月 2 日起已唔屬於 IIQE
卷五投資相連長期保險(IL)要賣 ILAS 投連險
TIA 卷旅遊保險代理人只做旅遊保險嘅代理(另設專卷)

關於「卷四」:你喺舊帖見到嘅「IIQE 卷四」係強積金考試,自 2013 年 5 月 2 日起已經唔再屬於 IIQE 一部分。而家要做強積金業務係考獨立嘅 MPFE(強積金中介人資格考試)。所以如果有人叫你「五張卷考齊」,佢多數係照抄十年前嘅資料。

三、你屬於邊種身份,要考邊幾張

你想做… 要考 張數
車保、家居、醫療等一般保險卷一+卷二2
人壽、危疾、年金(傳統長期保險)卷一+卷三2
投資相連壽險(ILAS)卷一+卷三+卷五3
一般保險+長期保險(跨兩類)卷一+卷二+卷三3
全能型(大行常見要求)卷一+卷二+卷三+卷五4

留意:保險代理人、保險經紀、業務代表三種身份考同一批卷,分別唔係喺考試,而係喺發牌類別同合規責任。銀行前線銷售保險亦一樣受呢套規管。

四、五卷規格總表

卷別 題數 時間 合格線 考試費(筆試/電腦/遙距)
卷一 保險原理及實務75 題 MC120 分鐘70%(53 題)$195 / $265 / $850
卷二 一般保險50 題 MC75 分鐘70%(35 題)$195 / $265 / $850
卷三 長期保險50 題 MC75 分鐘70%(35 題)$195 / $265 / $850
卷五 投資相連長期保險80 題 MC120 分鐘70%(56 題)$325 / $390 / 不設遙距

全部係四選一多項選擇題,不設倒扣,所有題目都必須作答——即係唔識都要估,空白同答錯冇分別。成績只顯示「及格/不及格」,唔會公布分數,亦唔會派返試題同答案。重考次數不限,但每次都要重新繳費。

試題語言唔使揀:筆試同電腦應考模式下,所有試題中英對照、同時印喺同一題上,遇到唔肯定嘅中文表達可以即刻對返英文。只有遙距監考模式先要喺報名時揀中文或英文。

五、總共要俾幾多錢?

用最平嘅筆試模式計,一次過合格嘅情況下:

  • 做一般保險(卷一+卷二):$195 × 2 = $390
  • 做長期保險(卷一+卷三):$195 × 2 = $390
  • 做投連險(卷一+卷三+卷五):$195 × 2 + $325 = $715
  • 全能型(卷一二三五):$195 × 3 + $325 = $910

揀電腦應考每張貴約 $70;遙距監考最貴,卷一至三每張 $850,係筆試嘅 4 倍以上,而且卷五根本冇呢個選項。費用喺呢度嘅槓桿唔係考試費本身,係「考幾多次」——重考一張卷一,成本就抵銷咗你揀平模式慳落嘅錢。

六、保險牌難唔難考?

先講一句冇人講嘅實話:PEAK 從來冇公布過任何一張 IIQE 卷嘅官方合格率。你喺網上見到嘅「卷一 44%」「卷五約 53%」等數字,追返上去全部搵唔到官方出處,部分仲係引用多年前已改制嘅舊卷別。

官方數字唔存在,但相對難度量度得到。下表統計自我哋五個保險 app 內 122,488 條真實練習作答

難度排名 卷別 練習正確率 最多人做錯嘅章節
1(最難)卷一64.2%香港保險業的結構(58.0%)
2卷二69.7%保險產品(68.4%)
3卷五69.0%投資相連長期保單簡介(63.5%)
4(最易)卷三75.6%人壽保險及年金的種類(73.3%)

呢個數字唔係合格率,唔好直接當合格率用。練習可以重做、可以睇解釋、冇時間壓力,所以一定高過實際考試。我哋喺 HKSI 卷一有兩邊數據可以校準:官方合格率 51.9%,同一張卷嘅練習正確率 65.6%,相差 13.7 個百分點。換句話講,如果你喺 app 練到啱啱好 70%,實際入考場並唔安全——目標應該係練習穩定 85% 以上。

最反直覺嘅一點:必考嘅卷一,同時係最難嗰張。好多人以為「入門卷梗係最淺」,於是輕視卷一、將時間押喺後面。但卷一考嘅係保險原則同應用判斷,唔係背誦,而且佢係卷二卷三嘅基礎——跳過或者求求其其過,後面兩張只會更辛苦。時間分配應該係卷一佔最多。

七、成績有效期:坊間講法係錯嘅

幾乎所有補習網都寫「IIQE 成績有效期兩年」,即係「考完兩年就過期」。呢個講法唔準確。

保監局《指引 23》(持牌保險中介人「適當人選」準則)附件一第 7(b) 段寫得好清楚:成績失效嘅條件係「由考試日起計,任何連續兩年冇喺香港從事保險相關工作」——關鍵係有冇做嘢,唔係時間流逝。實際影響分三種情況:

你嘅情況 成績會唔會失效
考完但一直未入行效果上等同「兩年內要成功攞牌」,否則失效
已入行,持續從事保險相關工作唔會因為考咗好耐而失效
入咗行之後離開行業滿兩年要重考相關卷別(第 7(a) 段)

呢個分別對兩種人好實際:打算轉行但未落實 offer 嘅人,唔好太早考——考完擺兩年冇入行就白費;已經入咗行嘅人,唔使因為聽人講「兩年過期」而恐慌重考。

八、豁免點先算數

呢度有個好多人搞錯嘅分工:PEAK 只負責考試,唔處理豁免。PEAK 嘅考試手冊由頭到尾都冇「豁免」條款。真正決定豁免嘅係保險業監管局(IA),認可資格名單載於《保險業條例》(第 41 章)下嘅《指引 23》附件一第 5 段。

大致框架係咁(詳情以最新版《指引 23》為準):

  • 第 5(a) 段——持有指定保險專業資格(如 ACII/FCII、ANZIIF 高級會員或會士、FLMI、CLU、CPCU)或指定精算資格(FIA/FFA、FIAA、FSA)者,可獲豁免卷一、卷二、卷三及 TIA 卷。
  • 第 5(b) 段——持有 ChFC、CFP、上述精算資格,或已通過 HKSI 指定課程/證書者,可獲豁免卷五(注意:唔包括卷二)。
  • 第 5(c)、5(d) 段——按 2000 年 1 月 1 日前嘅資歷或經驗豁免,只限當年已經入行嘅人,新人唔適用。
  • 第 5(e) 段——已通過卷一同卷二者,自動豁免 TIA 卷。

實務做法:(1)去 ia.org.hk 揾《指引 23》最新版,睇附件一第 5 段;(2)名單會不時修訂,唔好靠幾年前嘅論壇帖;(3)唔肯定就直接向 IA 或你嘅委任公司合規部門書面查證,得到確認先好慳返報考費。另外注意:「豁免」同「已考過就唔使再考」係兩件事,後者係成績認可問題,見上一節。

九、由零到持牌完整流程

  1. 確定業務範疇——先搞清楚將來賣咩產品,先知要考邊幾張。呢步做錯就會多考一張、多付一次錢。
  2. 查豁免——手上有金融/精算專業資格嘅話,向 IA 或公司合規書面查證。
  3. 報名——經 PEAK(peak.edu.hk)報考,揀筆試、電腦應考或遙距監考(卷五冇遙距)。
  4. 備考——研習資料手冊由 IA 發布,版本不時更新,一定要用最新版。溫完手冊之後靠操題找漏洞。
  5. 應考——70% 合格,冇倒扣,全部題目都要答。成績只有「及格/不及格」。
  6. 由公司提交牌照申請——考試合格唔等於持牌。牌照申請一般由委任你嘅保險公司或代理/經紀行向 IA 提交。
  7. 持續專業發展(CPD)——攞牌之後每年都要完成 IA 規定嘅 CPD 學時,維持資格。考試係入門,CPD 係長期責任。

十、常見問題 FAQ

Q:考保險牌有冇學歷要求?

IIQE 本身係資格考試,重點喺合格與否。但發牌方面,保監局會按《指引 23》嘅「適當人選」準則整體評估申請人(包括教育程度、品格、財政狀況等),而實際入行仲要有保險公司或代理/經紀行願意委任你。即係話「考到試」同「攞到牌」係兩道門。

Q:一定要按卷一→卷二/三→卷五順序考嗎?

冇強制次序,技術上可以先考卷三。但卷一嘅保險原則係其他卷嘅基礎,跳過會令後面更難消化,所以實務上建議照順序,而且畀最多時間卷一。

Q:唔合格可以即刻重考嗎?

重考次數不限,但每次都要重新報名繳費。由於成績只顯示及格/不及格、唔會公布錯咗邊幾條,所以重考前唯一可行嘅診斷方法係做大量練習睇自己邊一章最弱。

Q:要溫幾耐?

冇官方建議時數。以我哋題庫用戶嘅實際情況,零基礎者卷一預留 3–4 星期、卷二卷三各 2–3 星期較穩陣;卷五因為涉及大量投資概念,有金融學歷底子者 2–3 星期,零基礎者 5–6 星期。呢啲係經驗值,唔係保證。

Q:強積金(MPF)業務又點?

強積金自 2013 年 5 月 2 日起已經唔屬於 IIQE,要做強積金中介人業務係考獨立嘅 MPFE。即係話舊資料講嘅「IIQE 卷四」已經唔存在。

逐卷詳細攻略

由最難嗰張開始:IIQE 卷一逾 900 題模擬練習

卷一係全部人都要考、亦係五卷之中練習正確率最低嗰張。附答案解析同錯題重溫,免費下載,離線都做得。

考試費、題數、時限、及格分數、試題語言及應考模式引自 PEAK《保險中介人資格考試考試手冊》(2025 年 8 月版);成績有效期、豁免安排及「適當人選」準則引自保險業監管局《指引 23》附件一(《保險業條例》第 41 章)。練習正確率統計自 PickMyQuiz 五個保險 app 內 122,488 條真實作答紀錄,屬練習表現而非考試合格率,兩者性質不同、不可直接比較。考試制度、費用及報名安排以高峰進修學院(PEAK,peak.edu.hk)及保險業監管局(IA,ia.org.hk)公告為準,本文所述金額及規則可能隨官方更新而改變。本題庫為原創模擬練習,不含任何官方試卷內容。

Practice Questions (10)

Questions from the same category. Reveal results after answering.

1. 在侵權法架構下,若某公司因其技術人員在執行合約任務時的疏忽導致第三方損失,即使該公司管理層已證明其本身並無過失且未直接指示該違法行為,仍需根據特定法律原則承擔賠償責任。下列關於此原則的法律特徵與保險應用的描述,何者最為準確? --- Under the framework of tort law, if a company causes losses to a third party due to the negligence of its technical personnel when performing contract tasks, even if the company's management has proved that it was not at fault and did not directly instruct the illegal act, it will still be liable for compensation according to specific legal principles. Which of the following descriptions of the legal character and insurance application of this principle is most accurate?

multiple_choice

2. 關於香港保險業聯會(Hong Kong Federation of Insurers,HKFI)在香港保險監管架構中的角色與職能,下列哪一項組合的陳述最為準確且完整? I. 透過成立保險代理登記委員會(IARB),行使《保險業條例》賦予的法定權力直接撤銷違規代理人資格。 II. 其宗旨涵蓋提升香港作為區域再保險中心的地位,並代表業界與政府進行磋商。 III. 作為自律規管機構,其主要職責是透過直接管理「保險判決局」來保障投保大眾的最終經濟利益。 IV. 在現行制度下,其職能包括制定實務守則以提升保險人的專業水平,並獲授權管理保險代理人的註冊事宜。 --- Regarding the role and functions of the Hong Kong Federation of Insurers (HKFI) in Hong Kong’s insurance regulatory framework, which of the following combinations of statements is the most accurate and complete? I. Through the establishment of the Insurance Agents Registration Board (IARB), exercise the statutory power conferred by the Insurance Ordinance to directly revoke the qualifications of illegal agents. II. Its objectives include enhancing Hong Kong's status as a regional reinsurance center and representing the industry in negotiations with the Government. III. As a self-regulatory organization, its main responsibility is to protect the ultimate economic interests of the insured public through direct management of the "Insurance Judgment Bureau". IV. Under the current system, its functions include formulating codes of practice to enhance the professional standards of insurers, and is authorized to manage the registration of insurance agents.

multiple_choice

3. 在《保險業條例》的法定架構下,某保險公司計劃承保一項強制性的僱員補償保險業務。關於該業務在法律分類上的定位,下列哪項描述最為精確且完整? --- Under the statutory framework of the Insurance Ordinance, an insurer plans to underwrite a mandatory employees' compensation insurance business. Which of the following is the most accurate and complete description of the legal classification of this business?

multiple_choice

4. 在保險代理法律關係中,若一份為期一年的代理協議即將屆滿,且合約中並未包含任何自動展期條款。關於該代理權的後續法律效力,下列哪項敘述最為準確且完整? --- In an insurance agency legal relationship, if a one-year agency agreement is about to expire, and the contract does not contain any automatic extension clause. Which of the following statements is the most accurate and complete regarding the subsequent legal effects of this power of attorney?

multiple_choice

5. 在保險業務的法律框架下,關於代理法(Law of Agency)的運作機制與法律後果,請選出下列敘述中完全正確的組合: I. 代理關係的成立不一定需要明示合約,透過「表見代理」產生的法律效力亦可約束委託人。 II. 保險經紀人與保險代理人在法律地位上雖皆屬代理人,但其委託人的身份通常在法律上是互斥的。 III. 只要代理人的行為與其職務有合理關聯,無論是否獲得事先授權,委託人均須對該行為負上無上限的轉承責任。 IV. 代理法在保險業的應用受限於《保險業條例》,其一般法原則不適用於保險經紀與投保人之間的關係。 --- Within the legal framework of the insurance business, regarding the operating mechanism and legal consequences of the Law of Agency, please select the completely correct combination of the following statements: I. The establishment of an agency relationship does not necessarily require an express contract. The legal effect generated through "apparent agency" can also bind the principal. II. Although insurance brokers and insurance agents are both agents in legal status, their status as principals are usually mutually exclusive in law. III. As long as the agent's conduct is reasonably related to his duties, the principal shall be vicariously liable for the conduct without any upper limit, regardless of whether prior authorization has been obtained. IV. The application of agency law in the insurance industry is limited by the Insurance Industry Ordinance, and its general law principles do not apply to the relationship between insurance brokers and policyholders.

multiple_choice

6. 在香港保險業的監管與自律架構下,某機構旨在透過裁決方式處理個人保單持有人的索償投訴。關於該機構最高領導層的委任程序與資格限制,下列哪項敘述完全正確? --- Under the regulatory and self-regulatory framework of the Hong Kong insurance industry, an organization aims to handle claims and complaints from individual policyholders through adjudication. Which of the following statements is completely true regarding the appointment process and qualifications for the agency's top leadership?

multiple_choice

7. 保險人把客戶資料外判作系統轉移,只需保存至轉移完成。下列哪套合約控制最完整地同時處理保存期限及資料保安? --- An insurer outsources client data for a system migration, for which retention is needed only until completion. Which contract-control package most completely addresses both retention and data security?

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8. 在處理重複保險的情況下,保險人若欲透過保單條款的明文約定來修改普通法下的「分擔」權利,下列哪一項組合最全面地描述了保險人可採取的合法契約變更手段? I. 引入「非貢獻條款」,聲明本保單僅作為超額保險受領,除非其他保單已賠付至上限。 II. 設立「比例分擔限額」,規定無論實際損失金額為何,本保險人僅承擔損失總額中一個預設的固定百分比。 III. 增設「程序性先決條件」,規定被保險人必須先向其他承保人索賠失敗後,方可觸發本保單的分擔義務。 IV. 透過條款完全排除被保險人在發生損失時向其他保險人索賠的權利,以確保本保險人的代位權不受干擾。 --- In the case of duplicate insurance, if the insurer wishes to modify the common law "contribution" rights through express provisions of the policy terms, which of the following combinations most comprehensively describes the legal contractual modification means available to the insurer? I. Introduce a "non-contribution clause", stating that this policy is only accepted as excess insurance unless other policies have paid up to the maximum limit. II. Establish a "proportional sharing limit", which stipulates that regardless of the actual amount of loss, the insurer will only bear a preset fixed percentage of the total loss. III. Add a "procedural condition precedent" that stipulates that the insured must first make a failed claim from other insurers before triggering the sharing obligation of this policy. IV. Completely exclude the insured's right to claim compensation from other insurers in the event of loss through clauses to ensure that the insurer's right of subrogation is not interfered with.

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9. 根據香港《保險業條例》對業務類別的法定劃分,某保險公司擬修訂其業務組合。在以下四項擬議業務中,哪幾項在法定分類上**不屬於**「一般業務」範疇,且同時被歸類為「長期業務」中的特定類別(如類別 A 至 I)? (i) 針對因受保人長期患病導致收入損失且不可撤銷的保障業務 (ii) 承保船舶在航行中因碰撞導致對第三方的法律責任業務 (iii) 包含投資成分且保單價值隨特定資產價值波動的壽險業務 (iv) 補償因火災導致商業建築物結構受損的財產損失業務 --- According to the statutory classification of business categories under the Insurance Ordinance of Hong Kong, an insurer plans to revise its business portfolio. Among the following four proposed businesses, which ones do not fall within the scope of "general business" in terms of statutory classification and are also classified into specific categories of "long-term business" (such as Categories A to I)? (i) Insurance business for irrevocable loss of income due to long-term illness of the insured person (ii) Covering the legal liability of a ship to a third party due to collision during navigation (iii) Life insurance business that contains an investment component and the policy value fluctuates with the value of specific assets (iv) Compensation business for property damage due to structural damage to commercial buildings due to fire

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10. 在保險法理的應用中,關於人壽保險及大部分人身意外保險通常被視為「非彌償性合約」的深層原因,請結合以下論點進行綜合分析,選出最完備的組合: i. 由於人命及身體完整性缺乏客觀的市場經濟價值,法律上無法界定精確的「損害補償」基準。 ii. 根據可保權益原則,投保人對其配偶或自身擁有無限的經濟利益,這直接導致了彌償原則的失效。 iii. 此類保單本質上屬於「定值合約」,其給付金額取決於約定保額而非實際財務損失的審核。 iv. 彌償原則旨在防止被保險人獲利,但人身保險的受益人領取賠償被視為一種資產轉移而非不當得利。 --- In the application of insurance jurisprudence, regarding the underlying reasons why life insurance and most personal accident insurance are usually regarded as "non-indemnity contracts", please conduct a comprehensive analysis based on the following arguments and select the most complete combination: i. Due to the lack of objective market economic value of human life and physical integrity, it is impossible to define a precise basis for "damage compensation" in law. ii. According to the insurable interest principle, the policy holder has unlimited economic interests in his or her spouse or himself, which directly leads to the invalidation of the indemnity principle. iii. This type of insurance policy is essentially a "valued contract", and its benefit amount depends on the agreed sum insured rather than the review of actual financial losses. iv. The indemnity principle is intended to prevent the insured from profiting, but the receipt of compensation by the beneficiary of a life insurance policy is regarded as a transfer of assets rather than unjust enrichment.

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Practice Questions

From: IIQE 卷一 保險中介人資格考試題庫|唔使再靠雞精

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1
在香港保險業的合規架構下,針對《防止賄賂條例》及打擊洗錢(Anti-Money Laundering,AML)的實務操作,保險中介人與保險人必須嚴格遵守特定職責。以下關於處理疑似違規個案的陳述,哪些組合在法律及監管實務上是完全正確的? i) 若保險中介人發現客戶資金來源與其申報職業明顯不符,為盡職審查之義務,應主動對客戶進行背景深入調查以獲取確鑿證據。 ii) 保險人有法定責任確保其代理人接受持續培訓,使其具備識別可疑交易及理解貪污相關法律責任的能力。 iii) 根據內部舉報程序,中介人若懷疑涉及洗錢或貪污,應在不驚動客戶的情況下,直接或透過委任人向聯合財富情報組(JFIU)提交「可疑交易報告」。 iv) 保險中介人僅需負責銷售合規,而保存客戶身份證明文件及資金來源記錄的最終法律責任僅落在保險人身上。 --- Under the compliance framework of the Hong Kong insurance industry, insurance intermediaries and insurers must strictly abide by specific responsibilities regarding the Prevention of Bribery Ordinance and the practical operations of combating money laundering (AML). Which combination of the following statements about handling suspected violation cases is completely correct in legal and regulatory practice? i) If an insurance intermediary discovers that the source of a client's funds is obviously inconsistent with his or her declared occupation, for the purpose of due diligence, the insurance intermediary should proactively conduct an in-depth background investigation on the client to obtain conclusive evidence. ii) Insurers have a statutory duty to ensure that their agents receive ongoing training to equip them with the ability to identify suspicious transactions and understand the legal responsibilities associated with corruption. iii) According to internal reporting procedures, if intermediaries suspect money laundering or corruption, they should submit a "Suspicious Transaction Report" directly or through an appointee to the Joint Financial Intelligence Unit (JFIU) without alerting the client. iv) Insurance intermediaries are only responsible for sales compliance, while the ultimate legal responsibility for keeping customer identity documents and fund source records falls solely on the insurer.
A只有 i, ii 及 iii --- Only i, ii and iii
B只有 ii 及 iii --- Only ii and iii
C只有 iii 及 iv --- Only iii and iv
D只有 i 及 iv --- Only i and iv
2
在現行香港保險中介人規管架構下,若某個人擬在不代表保險公司的情況下,透過向投保人提供專業意見並代其安排保險合約以獲取酬金,該人士必須向哪一個法定機構申請執照,且其受規管的身份與下列哪項描述相符? --- Under the current regulatory framework for insurance intermediaries in Hong Kong, if a person intends to obtain remuneration by providing professional advice to policyholders and arranging insurance contracts on their behalf without representing an insurer, which statutory body must the person apply for a license? And which of the following descriptions does his regulated status match?
A向保險代理登記委員會(Insurance Agents Registration Board,IARB) 登記成為保險代理人 --- Register as an insurance agent with the Insurance Agents Registration Board (IARB)
B向證券及期貨事務監察委員會 (SFC) 申請成為持牌代表 --- Apply to the Securities and Futures Commission (SFC) to become a licensed representative
C向香港保險顧問聯會(Hong Kong Confederation of Insurance Brokers,CIB) 申請成為其成員公司之獲授權代表 --- Apply to the Hong Kong Confederation of Insurance Brokers (CIB) to become an authorized representative of its member companies
D向保險業監管局(Insurance Authority,IA) 申請執照成為持牌保險經紀 --- Apply for a license from the Insurance Authority (IA) to become a licensed insurance broker
3
在保險法規與實務中,可保權益必須建立在法律認可的關係之上。若將可保權益細分為「人身」、「財產」、「法律責任」以及「其他合法權利(預期利益)」四大範疇,下列哪一項情境所產生的可保權益,在性質上完全不屬於前三者(即人身、財產或法律責任),而是純粹基於法律賦予的預期未來收益權利? --- In insurance regulations and practice, insurable interests must be based on legally recognized relationships. If insurable interests are subdivided into four major categories: "personal", "property", "legal liability" and "other legal rights (anticipated benefits)", which of the following situations generates insurable interests that do not belong to the first three (i.e. personal, property or legal liability) in nature, but are purely based on the rights to expected future earnings conferred by the law?
A信託人因應信託契約條款,為信託資產中可能產生的第三方索償風險投保 --- The trustee insures the risk of third-party claims that may arise in the trust assets in accordance with the terms of the trust deed.
B商業大廈業主因應火災導致租客撤離,投保補償其在修復期間無法收取的預期租金收入 --- After a fire caused tenants to evacuate, commercial building owners took out insurance to compensate them for the expected rental income they could not collect during the repair period.
C承建商根據合約義務,為施工中的建築物結構及現場存放的建築材料投保全險 --- The contractor is contractually obligated to insure the building structure under construction and the building materials stored on site.
D債權人為確保其債權回收之安全性,在法律允許範圍內為債務人之生命投保 --- In order to ensure the safety of the recovery of their debts, creditors insure the life of the debtor within the scope permitted by law.
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