NO.PZ2018091705000089
问题如下:
Marion asks his investment manager for advice regarding his retired aunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history and healthy lifestyle. She needs a stable income stream to cover her current and future expenses. Marion is concerned about she will outlive her assets. Based on Marion’s concerns, which type of investment should investment manager recommend for her?
选项: The whole Life insurance
Immediate fixed annuity
C.Universal life insurance
解释:
B is correct.
考点: Annuity
解析:Lily已经70岁了,她担心长寿风险;并且需要一个可以稳定覆盖目前和未来支出的收入来源。Immediate fixed annuity,相当于今天用一笔钱换取只要她还活着就有的收入的承诺。因此, Immediate fixed annuity是最合适的选择。
老师请问,如果Whole life insurance 是 permanent life insurance 的一种,可理解为最普通的寿险,每期的premium固定。每期固定的premium并且覆盖被保人的整个生命周期,不是很符合Lily的需要吗?为何不能选A