{ "meta": { "title": "Insurance Planning Chapter 4 Exam Bank", "language": "zh-CN", "question_count": 30, "quality_version": "reliability_v2", "answer_distribution": { "A": 4, "B": 4, "C": 4, "D": 3 }, "note": "原创题库，用于学习和自测；不复制教材题目。选择题答案位置已打散，解释含错因。" }, "questions": [ { "id": "c4-q001", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "life_insurance" ], "learning_objective_id": "c4-lo01", "question": "关于 Life insurance，哪项判断最准确？", "choices": { "A": "被保险人死亡时支付死亡给付，用来替代收入、还债、支付教育费、税费和遗产流动性需求。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "renewable 一定保证未来保费不涨。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Life insurance 的核心是：被保险人死亡时支付死亡给付，用来替代收入、还债、支付教育费、税费和遗产流动性需求。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。" }, "explanation": "正确答案是 A。正确。Life insurance 的核心是：被保险人死亡时支付死亡给付，用来替代收入、还债、支付教育费、税费和遗产流动性需求。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "life_insurance", "reliability_v2" ] }, { "id": "c4-q002", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "insured" ], "learning_objective_id": "c4-lo02", "question": "关于 Insured，哪项判断最准确？", "choices": { "A": "term life 通常有现金价值和非没收选择。", "B": "其生命被保险覆盖的人。", "C": "renewable 一定保证未来保费不涨。", "D": "replacement 只要新保费更低就一定合理。" }, "answer": "B", "rationale_by_choice": { "A": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "B": "正确。Insured 的核心是：其生命被保险覆盖的人。", "C": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "D": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。" }, "explanation": "正确答案是 B。正确。Insured 的核心是：其生命被保险覆盖的人。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "insured", "reliability_v2" ] }, { "id": "c4-q003", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "policy_owner" ], "learning_objective_id": "c4-lo03", "question": "关于 Policy owner，哪项判断最准确？", "choices": { "A": "renewable 一定保证未来保费不涨。", "B": "replacement 只要新保费更低就一定合理。", "C": "拥有保单权利的人，可改受益人、借款、转让或退保，除非权利受限。", "D": "insured 就是能改受益人的人。" }, "answer": "C", "rationale_by_choice": { "A": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "B": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "C": "正确。Policy owner 的核心是：拥有保单权利的人，可改受益人、借款、转让或退保，除非权利受限。", "D": "错误。能改受益人的通常是 owner，不一定是 insured。" }, "explanation": "正确答案是 C。正确。Policy owner 的核心是：拥有保单权利的人，可改受益人、借款、转让或退保，除非权利受限。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "policy_owner", "reliability_v2" ] }, { "id": "c4-q004", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "beneficiary" ], "learning_objective_id": "c4-lo04", "question": "关于 Beneficiary，哪项判断最准确？", "choices": { "A": "replacement 只要新保费更低就一定合理。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "死亡给付接收人，可以是 primary、contingent、revocable 或 irrevocable。" }, "answer": "D", "rationale_by_choice": { "A": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "正确。Beneficiary 的核心是：死亡给付接收人，可以是 primary、contingent、revocable 或 irrevocable。" }, "explanation": "正确答案是 D。正确。Beneficiary 的核心是：死亡给付接收人，可以是 primary、contingent、revocable 或 irrevocable。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "beneficiary", "reliability_v2" ] }, { "id": "c4-q005", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "insurable_interest_life" ], "learning_objective_id": "c4-lo05", "question": "关于 Insurable interest in life insurance，哪项判断最准确？", "choices": { "A": "寿险通常要求投保时投保人与被保险人存在合理经济或亲属利益关系。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "renewable 一定保证未来保费不涨。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Insurable interest in life insurance 的核心是：寿险通常要求投保时投保人与被保险人存在合理经济或亲属利益关系。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。" }, "explanation": "正确答案是 A。正确。Insurable interest in life insurance 的核心是：寿险通常要求投保时投保人与被保险人存在合理经济或亲属利益关系。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "insurable_interest_life", "reliability_v2" ] }, { "id": "c4-q006", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "term_life" ], "learning_objective_id": "c4-lo01", "question": "关于 Term life，哪项判断最准确？", "choices": { "A": "term life 通常有现金价值和非没收选择。", "B": "一定期限内的纯死亡保障，通常无现金价值，初始成本低。", "C": "renewable 一定保证未来保费不涨。", "D": "replacement 只要新保费更低就一定合理。" }, "answer": "B", "rationale_by_choice": { "A": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "B": "正确。Term life 的核心是：一定期限内的纯死亡保障，通常无现金价值，初始成本低。", "C": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "D": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。" }, "explanation": "正确答案是 B。正确。Term life 的核心是：一定期限内的纯死亡保障，通常无现金价值，初始成本低。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "term_life", "reliability_v2" ] }, { "id": "c4-q007", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "whole_life" ], "learning_objective_id": "c4-lo02", "question": "关于 Whole life，哪项判断最准确？", "choices": { "A": "renewable 一定保证未来保费不涨。", "B": "replacement 只要新保费更低就一定合理。", "C": "终身保障、固定保费、现金价值和非没收选择。", "D": "insured 就是能改受益人的人。" }, "answer": "C", "rationale_by_choice": { "A": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "B": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "C": "正确。Whole life 的核心是：终身保障、固定保费、现金价值和非没收选择。", "D": "错误。能改受益人的通常是 owner，不一定是 insured。" }, "explanation": "正确答案是 C。正确。Whole life 的核心是：终身保障、固定保费、现金价值和非没收选择。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "whole_life", "reliability_v2" ] }, { "id": "c4-q008", "type": "multiple_choice", "difficulty": "basic", "concept_ids": [ "universal_life" ], "learning_objective_id": "c4-lo03", "question": "关于 Universal life，哪项判断最准确？", "choices": { "A": "replacement 只要新保费更低就一定合理。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "保费和死亡给付更灵活，但需要持续监控利率、费用和现金价值。" }, "answer": "D", "rationale_by_choice": { "A": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "正确。Universal life 的核心是：保费和死亡给付更灵活，但需要持续监控利率、费用和现金价值。" }, "explanation": "正确答案是 D。正确。Universal life 的核心是：保费和死亡给付更灵活，但需要持续监控利率、费用和现金价值。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "universal_life", "reliability_v2" ] }, { "id": "c4-q009", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "variable_life" ], "learning_objective_id": "c4-lo04", "question": "关于 Variable life，哪项判断最准确？", "choices": { "A": "现金价值与投资账户表现相关，风险由保单持有人承担。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "renewable 一定保证未来保费不涨。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Variable life 的核心是：现金价值与投资账户表现相关，风险由保单持有人承担。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。" }, "explanation": "正确答案是 A。正确。Variable life 的核心是：现金价值与投资账户表现相关，风险由保单持有人承担。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "variable_life", "reliability_v2" ] }, { "id": "c4-q010", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "vul" ], "learning_objective_id": "c4-lo05", "question": "关于 Variable universal life，哪项判断最准确？", "choices": { "A": "term life 通常有现金价值和非没收选择。", "B": "结合 universal life 的灵活性和 variable life 的投资账户风险。", "C": "renewable 一定保证未来保费不涨。", "D": "replacement 只要新保费更低就一定合理。" }, "answer": "B", "rationale_by_choice": { "A": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "B": "正确。Variable universal life 的核心是：结合 universal life 的灵活性和 variable life 的投资账户风险。", "C": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "D": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。" }, "explanation": "正确答案是 B。正确。Variable universal life 的核心是：结合 universal life 的灵活性和 variable life 的投资账户风险。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "vul", "reliability_v2" ] }, { "id": "c4-q011", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "needs_approach" ], "learning_objective_id": "c4-lo01", "question": "关于 Needs approach，哪项判断最准确？", "choices": { "A": "renewable 一定保证未来保费不涨。", "B": "replacement 只要新保费更低就一定合理。", "C": "逐项估算死亡后家庭需要，再减可用资源。", "D": "insured 就是能改受益人的人。" }, "answer": "C", "rationale_by_choice": { "A": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "B": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "C": "正确。Needs approach 的核心是：逐项估算死亡后家庭需要，再减可用资源。", "D": "错误。能改受益人的通常是 owner，不一定是 insured。" }, "explanation": "正确答案是 C。正确。Needs approach 的核心是：逐项估算死亡后家庭需要，再减可用资源。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "needs_approach", "reliability_v2" ] }, { "id": "c4-q012", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "human_life_value" ], "learning_objective_id": "c4-lo02", "question": "关于 Human life value，哪项判断最准确？", "choices": { "A": "replacement 只要新保费更低就一定合理。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "把被保险人未来可贡献收入折现为死亡经济损失。" }, "answer": "D", "rationale_by_choice": { "A": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "正确。Human life value 的核心是：把被保险人未来可贡献收入折现为死亡经济损失。" }, "explanation": "正确答案是 D。正确。Human life value 的核心是：把被保险人未来可贡献收入折现为死亡经济损失。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "human_life_value", "reliability_v2" ] }, { "id": "c4-q013", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "capitalized_earnings" ], "learning_objective_id": "c4-lo03", "question": "关于 Capitalized earnings approach，哪项判断最准确？", "choices": { "A": "用一笔资本产生的收入替代家庭所需现金流。", "B": "insured 就是能改受益人的人。", "C": "term life 通常有现金价值和非没收选择。", "D": "renewable 一定保证未来保费不涨。" }, "answer": "A", "rationale_by_choice": { "A": "正确。Capitalized earnings approach 的核心是：用一笔资本产生的收入替代家庭所需现金流。", "B": "错误。能改受益人的通常是 owner，不一定是 insured。", "C": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "D": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。" }, "explanation": "正确答案是 A。正确。Capitalized earnings approach 的核心是：用一笔资本产生的收入替代家庭所需现金流。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "capitalized_earnings", "reliability_v2" ] }, { "id": "c4-q014", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "policy_replacement" ], "learning_objective_id": "c4-lo04", "question": "关于 Policy replacement，哪项判断最准确？", "choices": { "A": "term life 通常有现金价值和非没收选择。", "B": "用新保单替换旧保单，需要比较成本、保障、现金价值、重新承保和新等待/争议期。", "C": "renewable 一定保证未来保费不涨。", "D": "replacement 只要新保费更低就一定合理。" }, "answer": "B", "rationale_by_choice": { "A": "错误。定期寿险通常是纯死亡保障，没有现金价值。", "B": "正确。Policy replacement 的核心是：用新保单替换旧保单，需要比较成本、保障、现金价值、重新承保和新等待/争议期。", "C": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "D": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。" }, "explanation": "正确答案是 B。正确。Policy replacement 的核心是：用新保单替换旧保单，需要比较成本、保障、现金价值、重新承保和新等待/争议期。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "policy_replacement", "reliability_v2" ] }, { "id": "c4-q015", "type": "multiple_choice", "difficulty": "medium", "concept_ids": [ "nonforfeiture_options" ], "learning_objective_id": "c4-lo05", "question": "关于 Nonforfeiture options，哪项判断最准确？", "choices": { "A": "renewable 一定保证未来保费不涨。", "B": "replacement 只要新保费更低就一定合理。", "C": "终身险退保或停缴时保留部分价值的选择。", "D": "insured 就是能改受益人的人。" }, "answer": "C", "rationale_by_choice": { "A": "错误。renewable 常保证可续保，但保费可能按年龄或类别上升。", "B": "错误。换保单还要看重新承保、现金价值、退保费和新争议期。", "C": "正确。Nonforfeiture options 的核心是：终身险退保或停缴时保留部分价值的选择。", "D": "错误。能改受益人的通常是 owner，不一定是 insured。" }, "explanation": "正确答案是 C。正确。Nonforfeiture options 的核心是：终身险退保或停缴时保留部分价值的选择。 错项的共同问题是把本章相邻概念混用，或忽略付款人、受益人、触发条件、税务/合同限制。", "tags": [ "chapter_4", "nonforfeiture_options", "reliability_v2" ] }, { "id": "c4-q016", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "life_insurance", "insured", "policy_owner" ], "question": "案例陷阱题：把 owner 和 insured 混淆。。学生应该怎样纠正这个判断？", "answer": "具体错因：把 owner 和 insured 混淆。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：把 owner 和 insured 混淆。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "tags": [ "chapter_4", "exam_trap", "reliability_v2" ] }, { "id": "c4-q017", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "life_insurance", "insured", "policy_owner" ], "question": "案例陷阱题：以为死亡给付一般所得税排除就没有任何税务问题。。学生应该怎样纠正这个判断？", "answer": "具体错因：以为死亡给付一般所得税排除就没有任何税务问题。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：以为死亡给付一般所得税排除就没有任何税务问题。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "tags": [ "chapter_4", "exam_trap", "reliability_v2" ] }, { "id": "c4-q018", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "life_insurance", "insured", "policy_owner" ], "question": "案例陷阱题：把 renewable 当作保费不涨。。学生应该怎样纠正这个判断？", "answer": "具体错因：把 renewable 当作保费不涨。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：把 renewable 当作保费不涨。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "tags": [ "chapter_4", "exam_trap", "reliability_v2" ] }, { "id": "c4-q019", "type": "scenario_short_answer", "difficulty": "medium", "concept_ids": [ "life_insurance", "insured", "policy_owner" ], "question": "案例陷阱题：把 convertible 当作免费获得永久保险。。学生应该怎样纠正这个判断？", "answer": "具体错因：把 convertible 当作免费获得永久保险。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "key_points": [ "先判断损失类型", "再判断触发条件", "最后判断付款人/受益人/税务或合同边界" ], "rubric": { "full_credit": "能指出具体错因并给出正确判断顺序", "partial_credit": "只说出概念定义但没有应用到案例" }, "explanation": "这题训练的是识别具体误导点，不是背统一定义。具体错因：把 convertible 当作免费获得永久保险。。寿险要先分清 insured、owner、beneficiary 和 premium payer，再看期限、现金价值和替换风险。", "tags": [ "chapter_4", "exam_trap", "reliability_v2" ] }, { "id": "c4-q020", "type": "comparison", "difficulty": "medium", "concept_ids": [ "insurable_interest_life", "universal_life" ], "question": "比较 Insurable interest in life insurance 与 Universal life：考试中应如何分辨？", "answer": "Insurable interest in life insurance：寿险通常要求投保时投保人与被保险人存在合理经济或亲属利益关系。；Universal life：保费和死亡给付更灵活，但需要持续监控利率、费用和现金价值。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Insurable interest in life insurance 的信号是 寿险通常关注投保时，不是理赔时。；Universal life 的信号是 灵活不等于不会 lapse。。", "tags": [ "chapter_4", "insurable_interest_life", "universal_life", "comparison", "reliability_v2" ] }, { "id": "c4-q021", "type": "comparison", "difficulty": "medium", "concept_ids": [ "term_life", "variable_life" ], "question": "比较 Term life 与 Variable life：考试中应如何分辨？", "answer": "Term life：一定期限内的纯死亡保障，通常无现金价值，初始成本低。；Variable life：现金价值与投资账户表现相关，风险由保单持有人承担。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Term life 的信号是 term 不要配现金价值题。；Variable life 的信号是 现金价值不保证。。", "tags": [ "chapter_4", "term_life", "variable_life", "comparison", "reliability_v2" ] }, { "id": "c4-q022", "type": "comparison", "difficulty": "medium", "concept_ids": [ "whole_life", "vul" ], "question": "比较 Whole life 与 Variable universal life：考试中应如何分辨？", "answer": "Whole life：终身保障、固定保费、现金价值和非没收选择。；Variable universal life：结合 universal life 的灵活性和 variable life 的投资账户风险。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Whole life 的信号是 保费高不代表一定更合适。；Variable universal life 的信号是 费用、风险和适合性审查很重要。。", "tags": [ "chapter_4", "whole_life", "vul", "comparison", "reliability_v2" ] }, { "id": "c4-q023", "type": "comparison", "difficulty": "medium", "concept_ids": [ "universal_life", "needs_approach" ], "question": "比较 Universal life 与 Needs approach：考试中应如何分辨？", "answer": "Universal life：保费和死亡给付更灵活，但需要持续监控利率、费用和现金价值。；Needs approach：逐项估算死亡后家庭需要，再减可用资源。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Universal life 的信号是 灵活不等于不会 lapse。；Needs approach 的信号是 最适合家庭案例题。。", "tags": [ "chapter_4", "universal_life", "needs_approach", "comparison", "reliability_v2" ] }, { "id": "c4-q024", "type": "comparison", "difficulty": "medium", "concept_ids": [ "variable_life", "human_life_value" ], "question": "比较 Variable life 与 Human life value：考试中应如何分辨？", "answer": "Variable life：现金价值与投资账户表现相关，风险由保单持有人承担。；Human life value：把被保险人未来可贡献收入折现为死亡经济损失。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Variable life 的信号是 现金价值不保证。；Human life value 的信号是 要用可贡献给家庭的收入，不是总工资。。", "tags": [ "chapter_4", "variable_life", "human_life_value", "comparison", "reliability_v2" ] }, { "id": "c4-q025", "type": "comparison", "difficulty": "medium", "concept_ids": [ "vul", "capitalized_earnings" ], "question": "比较 Variable universal life 与 Capitalized earnings approach：考试中应如何分辨？", "answer": "Variable universal life：结合 universal life 的灵活性和 variable life 的投资账户风险。；Capitalized earnings approach：用一笔资本产生的收入替代家庭所需现金流。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Variable universal life 的信号是 费用、风险和适合性审查很重要。；Capitalized earnings approach 的信号是 收益率假设会大幅影响结果。。", "tags": [ "chapter_4", "vul", "capitalized_earnings", "comparison", "reliability_v2" ] }, { "id": "c4-q026", "type": "comparison", "difficulty": "medium", "concept_ids": [ "needs_approach", "policy_replacement" ], "question": "比较 Needs approach 与 Policy replacement：考试中应如何分辨？", "answer": "Needs approach：逐项估算死亡后家庭需要，再减可用资源。；Policy replacement：用新保单替换旧保单，需要比较成本、保障、现金价值、重新承保和新等待/争议期。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Needs approach 的信号是 最适合家庭案例题。；Policy replacement 的信号是 不能只看新保单插图。。", "tags": [ "chapter_4", "needs_approach", "policy_replacement", "comparison", "reliability_v2" ] }, { "id": "c4-q027", "type": "comparison", "difficulty": "medium", "concept_ids": [ "human_life_value", "nonforfeiture_options" ], "question": "比较 Human life value 与 Nonforfeiture options：考试中应如何分辨？", "answer": "Human life value：把被保险人未来可贡献收入折现为死亡经济损失。；Nonforfeiture options：终身险退保或停缴时保留部分价值的选择。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Human life value 的信号是 要用可贡献给家庭的收入，不是总工资。；Nonforfeiture options 的信号是 term 通常没有这类现金价值选择。。", "tags": [ "chapter_4", "human_life_value", "nonforfeiture_options", "comparison", "reliability_v2" ] }, { "id": "c4-q028", "type": "comparison", "difficulty": "medium", "concept_ids": [ "capitalized_earnings", "life_insurance" ], "question": "比较 Capitalized earnings approach 与 Life insurance：考试中应如何分辨？", "answer": "Capitalized earnings approach：用一笔资本产生的收入替代家庭所需现金流。；Life insurance：被保险人死亡时支付死亡给付，用来替代收入、还债、支付教育费、税费和遗产流动性需求。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Capitalized earnings approach 的信号是 收益率假设会大幅影响结果。；Life insurance 的信号是 寿险不是投资收益最大化工具，先看死亡风险缺口。。", "tags": [ "chapter_4", "capitalized_earnings", "life_insurance", "comparison", "reliability_v2" ] }, { "id": "c4-q029", "type": "comparison", "difficulty": "medium", "concept_ids": [ "policy_replacement", "insured" ], "question": "比较 Policy replacement 与 Insured：考试中应如何分辨？", "answer": "Policy replacement：用新保单替换旧保单，需要比较成本、保障、现金价值、重新承保和新等待/争议期。；Insured：其生命被保险覆盖的人。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Policy replacement 的信号是 不能只看新保单插图。；Insured 的信号是 insured 不一定控制保单。。", "tags": [ "chapter_4", "policy_replacement", "insured", "comparison", "reliability_v2" ] }, { "id": "c4-q030", "type": "comparison", "difficulty": "medium", "concept_ids": [ "nonforfeiture_options", "policy_owner" ], "question": "比较 Nonforfeiture options 与 Policy owner：考试中应如何分辨？", "answer": "Nonforfeiture options：终身险退保或停缴时保留部分价值的选择。；Policy owner：拥有保单权利的人，可改受益人、借款、转让或退保，除非权利受限。。", "key_points": [ "分辨风险对象", "分辨触发条件", "分辨现金流结果", "分辨税务或合同限制" ], "rubric": { "full_credit": "能分别定义两个概念并说明案例边界", "partial_credit": "只写定义但没有说明边界" }, "explanation": "比较题要避免把相邻概念混用。Nonforfeiture options 的信号是 term 通常没有这类现金价值选择。；Policy owner 的信号是 考试问谁能改 beneficiary，通常看 owner。。", "tags": [ "chapter_4", "nonforfeiture_options", "policy_owner", "comparison", "reliability_v2" ] } ] }