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次第花开 · 2019年11月24日

问一道题：NO.PZ2018091705000089

  1. CFA III
  2. 个人IPS

问题如下：

Marion asks his investment manager for advice regarding his retired aunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history and healthy lifestyle. She needs a stable income stream to cover her current and future expenses. Marion is concerned about she will outlive her assets. Based on Marion’s concerns, which type of investment should investment manager recommend for her?

选项：

A.

The whole Life insurance

B.

Immediate fixed annuity

C.

Universal life insurance

解释：

B is correct.

考点: Annuity

解析：Lily已经70岁了，她担心长寿风险;并且需要一个可以稳定覆盖目前和未来支出的收入来源。Immediate fixed annuity，相当于今天用一笔钱换取只要她还活着就有的收入的承诺。因此， Immediate fixed annuity是最合适的选择。

Universal life insurance 不是也可以有期间分红么？这个也可以弥补日常生活支出呀。

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1 个答案

包包_品职助教 · 2019年11月25日

嗨，爱思考的PZer你好：


这个寿险期间的分红和年金的每个月固定给一笔钱相比，肯定是后者更有保障一点。毕竟对于寿险来说，分红只是一小部分，大头是死亡后的赔付。


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努力的时光都是限量版，加油！


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