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Lich · 2024年10月09日

如题

NO.PZ2020011901000021

问题如下:

Which of these is the biggest risk for whole life insurance?

选项:

A.

Longevity risk

B.

Mortality risk

C.

Policies being sold to a third party

D.

Inflation

解释:

B. The biggest risk for whole life insurance is that the policyholder dies earlier than expected. This is referred to as mortality risk. Longevity risk is the risk that the policy holder will live longer than expected. Sale of the policy to a third party should make no difference and policies are not inflation-linked.

持有人死的比预期早,这个风险针对的是保险公司讲的么

1 个答案

李坏_品职助教 · 2024年10月10日

嗨,爱思考的PZer你好:


是的,这些风险都是针对保险公司说的。

持有人死的早,那么保险公司少收了很多保费,反而还要提前偿付理赔金额。

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努力的时光都是限量版,加油!

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