NO.PZ2021060201000014
问题如下:
Johnson decide add hedge fund to his client's portfolio,he consider a hedge fund that specializes in reinsurance and life
settlements. Johnson tell his customer about three characteristics that hedge fund managers look for three characteristics when investing in life settlement::
Feature 1 The surrender value provided to the insured individual is relatively high.
Feature 2 The premiums paid continuously to keep the policy active are relatively low.
Feature 3 There
is a high probability that the designated insured person is likely to die
within the period predicted by standard actuarial methods.
Which of the three characteristics of life settlements noted by Johnson is correct?
选项:
A.Feature 1
Feature 2
Feature 3
解释:
B is correct.
B 是正确的。 为保持保单有效而持续支付的保费相对较低,因此特征 2 是正确的。 对冲基金还要找人寿结算,其中提供给被保险人的退保价值也相对较低,并且指定的被保险人可能比标准精算方法预测的更早死亡的可能性相对较高。
A 不正确,因为对冲基金是寻找提供给被保险人的退保价值相对较低(不高)的保单,以便通过以较低的价格购买来提高回报。
C 不正确,因为对冲基金寻找指定被保险人可能比标准精算方法预测的更早死亡的概率相对较高的结算。 这意味着对冲基金用于支付持续溢价的现金流出将少于预期,这将提高回报。
c选项说被保人在预期的时间内死亡, 这不是好是吗? 原本十年死亡变成八年死亡, 提前拿到钱了, 为何不选c? 然后我想问, 你们能看懂自己写的中文详解吗? 这中文水准太高了, 我没看懂