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SUN · 2020年08月29日

问一道题：NO.PZ201704060100000106

  1. CFA III
  2. 个人IPS

* 问题详情，请 查看题干

问题如下：

The whole life insurance policy feature described by Lansky is a:

选项：

A.

non-forfeiture clause.

B.

waiver-of-premium rider.

C.

guaranteed insurability rider.

解释：

A is correct.

The whole life insurance policy feature described is a non-forfeiture clause, whereby there is the option to receive some portion of the benefits if premium payments are missed (i.e., before the policy lapses).

这题李老师说B,C都不是伤残险的内容，所以选也要选A是什么意思？这道题李老师讲的完全听不懂，B和C是一回事吗？不是吧。

另外题干里面是两句话的，一个是gregory would be entitled to the proceeds from the policy.

还有一句是one feature of the policy provides for a portion of the benefites to be paid even if a premium payment is late or missed.是这两句话任何一句出来，都可以知道答案是不可丧失条款吗

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SUN · 2020年08月31日

根本不能这么排除，具体看下教材的3.1.2，B和C都出现过

3 个答案

王暄_品职助教 · 2020年09月12日

1. 书上P423也是描述了对于life insurance的riders，这些riders不属于life insurance policy feature

2. 确实这些riders里包括了 waiver-of-premium rider & guaranteed insurability rider ，但是waiver-of-premium rider其实是属于伤残险下面的一个条款，在你说的P423中的那段话里只是作为了rider附着进了life insurance，但实际是伤残险的条款。如下图：

3. 关于guaranteed insurability rider，这条却没在伤残险里出现过，只是作为了一个单纯的ride对life insurance做一个补充。谢谢同学这里的指正，我们会反应给李老师做调整。

还有没解释明白的地方，请继续追问~

王暄_品职助教 · 2020年09月12日

同学你好，我们这里只能看见你让我们回答追问，确没见你的追问是什么。请你提交追问。

SUN · 2020年09月12日

SUN · 1周前 根本不能这么排除，具体看下教材的3.1.2，B和C都出现过

王暄_品职助教 · 2020年08月30日

嗨，爱思考的PZer你好：


1. “这题李老师说B,C都不是伤残险的内容，所以选也要选A是什么意思？这道题李老师讲的完全听不懂，B和C是一回事吗？不是吧。”

  • 同学仔细听，李老说的是：“B和C这两个都不是life insurance的，都是伤残险的内容，按说选也要选A。

2.“另外题干里面是两句话的，一个是gregory would be entitled to the proceeds from the policy.还有一句是one feature of the policy provides for a portion of the benefites to be paid even if a premium payment is late or missed.是这两句话任何一句出来，都可以知道答案是不可丧失条款吗“

  • gregory would be entitled to the proceeds from the policy这句无法体现是non-forfeiture clause，这句只是在说Kirk死了后，Gregory可以拿到保险金。只有one feature of the policy provides for a portion of the benefites to be paid even if a premium payment is late or missed可以体现是non-forfeiture clause

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就算太阳没有迎着我们而来，我们正在朝着它而去，加油！


SUN · 2020年09月05日

麻烦看到我的追问回答一下，谢谢

SUN · 2020年09月08日

请问有说法了吗

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NO.PZ201704060100000106 问题如下 RicharLansky is insurananwealth aiser for invials. Lansky’s first meeting of the y is with Gregory Zavris, age 27, a new client who works a journalist. Gregory’s only asset is $5,000 in savings; he h$67,000 in liabilities. ring the conversation, Lansky scribes the concepts of financicapitanhumcapital, well the components of economic antrationbalansheets. Gregory asks Lansky: On whibalansheet are my future earnings reflecte Gregory es not have mecinsurance. He asks Lansky for airegarng a polithpotentially woulallow him to avoipaying for offivisits relateto minor mecproblems.In the afternoon, Lansky meets with Gregory’s parents, Molly anKirk, ages 53 an60. Molly is a tenureuniversity professor anprovis consulting services to locbusinesses. Kirk is a senior manager for investment bank. Lansky termines thMolly’s income is more stable thKirk’s.Kirk anMolly scuss estate planning, anLansky recommen a whole life insuranpolion Kirk’s life, with Molly responsible for paying the premiums. In the event of Kirk's ath, Gregory woulentitleto the procee from the policy. Lansky explains thone feature of the poliprovis for a portion of the benefits to paieven if a premium payment is late or misse Molly tells Lansky thshe hrecently been reang about annuities anwoullike to clarify her unrstanng. Molly makes the following statements.Statement 1 Both ferreanimmeate annuities provi the same flexibility concerning access to investefun.Statement 2 The income yielfor a given amount investein a life-only immeate annuity is higher for olr person thfor a younger person.the enof the consultation, Molly asks Lansky for airegarng her retireaunt, Rose Gabriel, age 69. Molly believes thGabriel’s life annuity anpension benefits will provi enough income to meet her customary lifestyle nee. Gabriel lives in her mortgage-free home; her mecinsuranplcovers basic health care expenses. Women in Gabriel’s family generally have long life spans but often experienchronic health problems requiring extennursing home. Therefore, Molly is concernethmecexpenses might exceeGabriel’s net worth ring her finyears.The whole life insuranpolifeature scribeLansky is A.non-forfeiture clause. B.waiver-of-premium rir. C.guaranteeinsurability rir. A is correct. The whole life insuranpolifeature scribeis a non-forfeiture clause, wherethere is the option to receive some portion of the benefits if premium payments are misse(i.e., before the polilapses). 这三个答案分别是什么定义？有点忘了

2024-08-08 16:16 1 · 回答

NO.PZ201704060100000106 老师这个A项说的是non-forfeiture的条款的哪一个呢？是提前退保吗？

2021-04-01 14:16 3 · 回答

waiver-of-premium rir. guaranteeinsurability rir. A is correct. The whole life insuranpolifeature scribeis a non-forfeiture clause, wherethere is the option to receive some portion of the benefits if premium payments are misse(i.e., before the polilapses).下三个可以吗？

2021-03-17 20:04 1 · 回答

waiver-of-premium rir. guaranteeinsurability rir. A is correct. The whole life insuranpolifeature scribeis a non-forfeiture clause, wherethere is the option to receive some portion of the benefits if premium payments are misse(i.e., before the polilapses).guranteeinsuranrir是什么意思。保证一直有投保资格吗？

2020-10-29 20:46 1 · 回答