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Christinafx · 2023年08月22日

这道题哪里能看出来需要liquidity?

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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. This 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.


1. 先思考Perrin的immediate needs是什么?

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)

Provides estate liquidity

2 个答案
已采纳答案

王暄_品职助教 · 2023年08月22日

P同学是要在【不变卖庄园】的前提下,【及时】拿到足够的现金分给老二老三

Christinafx · 2023年08月26日

看见了immediate needs了,所以还是需要liquidity的,谢谢老师!

王暄_品职助教 · 2023年08月22日

可是没有提非要现在给遗产,liquidity指的是现在变现的需求还是说只要是无论是现在,还是未来,变现能力都是liquidity去衡量?

没有强调要现在,但是P同学将来要留有遗产,而庄园又不可分割,就必须现在就要考虑到流动性,即将来如何变现的问题

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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

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2019-11-05 19:21 1 · 回答