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？
