开发者:上海品职教育科技有限公司 隐私政策详情

应用版本:4.2.11(IOS)|3.2.5(安卓)APP下载

LizLiu · 2019年11月05日

问一道题:NO.PZ201704060100000205

* 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


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。

  • 1

    回答
  • 2

    关注
  • 1096

    浏览
相关问题

NO.PZ201704060100000205 问题如下 Whiof the following uses of life insuranbest meets Perrin’s immeate nee? A.Provis estate liquity B.Acts a tax-shelteresavings instrument C.Replaces lost earning power for pennts A is correct. Life insuranbest meets Perrin’s immeate neefor estate liquity. A life insuranpolicprovi liquity without the linvolvein the legprocess of settling the estate. This liquity cparticularly valuable if the estate contains illiquiassets or assets thare fficult to separate anstribute equitably among heirs. Currently, it woulfficult to separate anequitably stribute Perrin’s financiassets to his three chilen suththe olst son inherits the vineyaranwinery while keeping the other two chilen uninvolvebecause the business is worth more thone-thirof Perrin’s investment assets. The problem of separating anequitably stributing the estate exists presently regaress of the value of Perrin’s personproperty.1. 先思考Perrin的immeate nee是什么?Perrin的immeate nee希望三个孩子【平均分得她的遗产】的同时,满足他们的愿望【老大管理庄园,两外两位不牵扯进来】其实此时,我们直接排除B 因为我们能看出B 本没解决Perrin的这个需求。所以我们蒙也要蒙A。2. 这里买寿险的目的是要在【不变卖庄园】的前提下,【及时】拿到足够的现金分给老二老三。Perri的金融资产=2 million,平均分给老二老三,一人只能拿到1million,所以相对于老大拿到庄园【庄园价值1.5 million】来说,老二老三每人都差了0.5 million。所以她可以直接去买保额为 3 million的寿险,受益人写老二 老三即可。(考生可能会考虑premium是否够不够的问题,但目测是够的,买3 million的寿险,并不要付3million的保费。再其次,她还能再继续工作10年,且她的支出小于收入,所以保费不是问题) Provis estate liquity

2023-08-22 00:13 2 · 回答

NO.PZ201704060100000205 Acts a tax-shelteresavings instrument Replaces lost earning power for pennts A is correct. Life insuranbest meets Perrin’s immeate neefor estate liquity. A life insuranpolicprovi liquity without the linvolvein the legprocess of settling the estate. Tis liquity cparticularly valuable if the estate contains illiquiassets or assets thare fficult to separate anstribute equitably among heirs. Currently, it woulfficult to separate anequitably stribute Perrin’s financiassets to his three chilen suththe olst son inherits the vineyaranwinery while keeping the other two chilen uninvolvebecause the business is worth more thone-thirof Perrin’s investment assets. The problem of separating anequitably stributing the estate exists presently regaress of the value of Perrin’s personproperty. 1. 先思考Perrin的immeate nee是什么? Perrin的immeate nee希望三个孩子【平均分得她的遗产】的同时,满足他们的愿望【老大管理庄园,两外两位不牵扯进来】其实此时,我们直接排除B&因为我们能看出B&本没解决Perrin的这个需求。所以我们蒙也要蒙2. 这里买寿险的目的是要在【不变卖庄园】的前提下,【及时】拿到足够的现金分给老二老三。Perri的金融资产=2 million,平均分给老二老三,一人只能拿到1million,所以相对于老大拿到庄园【庄园价值1.5 million】来说,老二老三每人都差了0.5 million。所以她可以直接去买保额为 3 million的寿险,受益人写老二&老三即可。(考生可能会考虑premium是否够不够的问题,但目测是够的,买3 million的寿险,并不要付3million的保费。再其次,她还能再继续工作10年,且她的支出小于收入,所以保费不是问题) 分遗产为何能判定为immeate nee?

2021-10-01 18:31 1 · 回答

NO.PZ201704060100000205 老师这个保险怎么能提供流动性的呢?一部分是酒庄(不动产),一部分是可变现资产(股票债券),怎么通过买保险把不动产也装进保险里呢?难道是把酒庄的股权装进去吗?而且B项我觉着也没啥问题啊,保险有可能是有避税功能的不是吗?

2021-04-01 15:03 1 · 回答

Acts a tax-shelteresavings instrument Replaces lost earning power for pennts A is correct. Life insuranbest meets Perrin’s immeate neefor estate liquity. A life insuranpolicprovi liquity without the linvolvein the legprocess of settling the estate. Tis liquity cparticularly valuable if the estate contains illiquiassets or assets thare fficult to separate anstribute equitably among heirs. Currently, it woulfficult to separate anequitably stribute Perrin’s financiassets to his three chilen suththe olst son inherits the vineyaranwinery while keeping the other two chilen uninvolvebecause the business is worth more thone-thirof Perrin’s investment assets. The problem of separating anequitably stributing the estate exists presently regaress of the value of Perrin’s personproperty.C是什么意思呢?也是保险的优点吗

2020-12-04 21:30 1 · 回答