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HG · 2021年04月01日

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?

* 问题详情,请 查看题干

NO.PZ201704060100000205

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.

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?

1 个答案

王暄_品职助教 · 2021年04月01日

我们需要根据题意以及背景答题。

1. 先思考Perrin的immediate needs是什么?

根据下面划线的这句话,我们能看出Perrin的immediate need是希望三个孩子【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&D。因为我们能看出B&D根本没解决Perrin的这个需求。所以我们蒙也要蒙A。

2. 这里买寿险不是说要把股权装进去,而是要在【不变卖庄园】的前提下,【及时】拿到足够的现金分给老二老三。你看她的金融资产=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,老二老三没人都差了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。(你可能会考虑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)

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