问题如下图：
选项：
A. 
B. 
C. 
解释：
请问立即需要是指均分财产还是流动性需要？
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
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?
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？
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
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
