老师你好，这里 immediate needs容易产生歧义

NO.PZ2018091705000082 问题如下 Shelly anMarion are consiring estate planning, they woullike Jacques to inherit most of their wealth, anthey also hope to leave some legato two aptechilen. Which of the following investment best meets their immeate nee? Immeate FixeAnnuities Life insurance Stock B is correct. 考点: Life insurance 解析：人寿保险最能满足Shelly anMarion对于遗产需求。因为寿险保单不仅可以对冲被保人过早死亡的风险，还是遗产规划的重要工具。人寿保险提供流动资金，且不需要在处理遗产的法律程序中出现延迟。 老师好，如果这道题的同时有life insurance和trust，哪个会更好？

NO.PZ2018091705000082 Shelly anMarion are consiring estate planning, they woullike Jacques to inherit most of their wealth, anthey also hope to leave some legato two aptechilen. Whiof the following investment best meets their immeate nee? Immeate FixeAnnuities Life insuranSto B is correct. 考点: Life insuran解析人寿保险最能满足Shelly anMarion对于遗产需求。因为寿险保单不仅可以对冲被保人过早死亡的风险，还是遗产规划的重要工具。人寿保险提供流动资金，且不需要在处理遗产的法律程序中出现延迟。 如题。。

老师好，如何理解题目中的“immeate”nee？这对夫妻并不是立刻死，这里的immeate如何理解，本题目该如何理解？对比其他两个，另外两个为何不能满足“immeate”nee？

老师，这道题在原版书课后题里有类似的问题，我就不太明白life insurance如何能够解决liquity问题和资产不好separate问题，买保险也是需要付保费的啊？前提得是长兄继承的酒庄生意之外，父母作为投保人本身也有额外的financicapital可以支付保费才行，那这又和课后题选择的liquity和资产不易分割有何关系呢？