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LizLiu · 2019年11月05日

问一道题：NO.PZ201704060100000205

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

问题如下：

Which of the following uses of life insurance best meets Perrin’s immediate needs?

选项：

A.

Provides estate liquidity

B.

Acts as a tax-sheltered savings instrument

C.

Replaces lost earning power for dependents

解释：

A is correct.

Life insurance best meets Perrin’s immediate need for estate liquidity. A life insurance policy can provide liquidity without the delay involved in the legal process of settling the estate. Tis liquidity can be particularly valuable if the estate contains illiquid assets or assets that are difficult to separate and distribute equitably among heirs. Currently, it would be difficult to separate and equitably distribute Perrin’s financial assets to his three children such that the oldest son inherits the vineyard and winery while keeping the other two children uninvolved because the business is worth more than one-third of Perrin’s investment assets. The problem of separating and equitably distributing the estate exists presently regardless of the value of Perrin’s personal property.

有点看不太懂，为什么酒庄超过1/3， 人寿保险能帮助解决这个问题


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1 个答案

包包_品职助教 · 2019年11月06日

同学你好，根据题目描述，她的资产是这样的： His investment assets consist of
$2,000,000 in marketable securities (90% equity/10% fixed income) and a vineyard
with winery valued at $1,500,000.
也就是200万的股票债券和150万的酒庄

对于遗产继承Perrin’s oldest son wishes to inherit the vineyard; the two other children do not want to be involved.Perrin would like to accommodate his children's wishes; however, he wants each childto inherit equal value from his estate. 也就是她的大儿子想继承酒庄，其它两个儿子不想参与酒庄，她想尊重孩子的愿望又想给每个孩子1/3她的资产

保险能满足immediate需求一方面是因为保险是直接赔付的，可以提供流动性，另外一方面通过买保险能避免把酒庄分割的问题，因为总遗产是350万，平均分配大概每人117万，酒庄是150万，那如果直接留遗产的话就意味着酒庄的股权要拆分，但是另外两个孩子又不想要酒庄，所以这样就不合适了

LizLiu · 2019年11月07日

就是说酒庄也换成保险的意思吗？那这样大儿子的意愿不就没尊重.

包包_品职助教 · 2019年11月07日

文章里面没说，我觉的应该是买两份保单赔付金额和酒庄价值一样的保险，然后酒庄给老大，保险给另外两个赔付。

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2023-08-22 00:13 2 · 回答

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2021-04-01 15:03 1 · 回答

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