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15363567771 · 2023年02月05日

這題如何讀題

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NO.PZ202206260100000303

问题如下:

Chang’s explanation to the Investment Committee regarding Fund B is least likely accurate with respect to:

选项:

A. surrender value.

B. life expectancy.

C. premium payments.

解释:

Solution

A is correct. Life settlement strategies focus on policies with relatively low, not high, surrender values. Chang is correct regarding life expectancy and premium payments.

B is incorrect. Chang is correct that life settlement strategies focus on policies for which the probability is high that the insured will die sooner than predicted by actuarial methods.

C is incorrect. Chang is correct that life settlement strategies focus on policies with relatively low premium payments.

文中不是退保value高,人才會比精算出來早死嗎?
1 个答案

伯恩_品职助教 · 2023年02月06日

嗨,努力学习的PZer你好:


Life settlement strategies侧重于退保价值相对较低而不是较高的保单。因为如果退保价值很高,那么投保人可能直接就退保了而不会在市场上进行转让,就算转让也会增加转让价格,对Life settlement strategies的manger就不是好消息,因为买的贵了。

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