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木木 · 2021年10月26日

为什么不选A a啥意思

  1. CFA III
  2. 个人IPS

NO.PZ2018091705000089

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。

为啥不选a a啥意思啊

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1 个答案

王暄_品职助教 · 2021年10月27日

Whole life insurance 是 permanent life insurance 的一种，可理解为最普通的寿险，每期的premium固定。

而本题说明Lily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，所以保险对她来说并没有吸引力，她需要的是一份稳定的收入，且cover她剩下来的生命。所以Immediate fixed annuity最合适。

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NO.PZ2018091705000089问题如下 Marion asks his investment manager for airegarng his retireaunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history anhealthy lifestyle. She nee a stable income streto cover her current anfuture expenses. Marion is concerneabout she will outlive her assets. Baseon Marion’s concerns, whitype of investment should investment manager recommenfor her? The whole Life insurance Immeate fixeannuity Universlife insuran 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。Immeate fixeannuity，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&#xFF0Immeate fixeannuity是最合适的选择。 为啥不选a和c呢。。。

2024-07-27 12:11 1 · 回答

NO.PZ2018091705000089 问题如下 Marion asks his investment manager for airegarng his retireaunt, Lily Cornell, age 70.Women in Cornell’s family generally have long life history anhealthy lifestyle. She nee a stable income streto cover her current anfuture expenses. Marion is concerneabout she will outlive her assets. Baseon Marion’s concerns, whitype of investment should investment manager recommenfor her? The whole Life insurance Immeate fixeannuity Universlife insuran 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。Immeate fixeannuity，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&#xFF0Immeate fixeannuity是最合适的选择。 老师请问，如果Whole life insuran是 permanent life insuran的一种，可理解为最普通的寿险，每期的premium固定。每期固定的premium并且覆盖被保人的整个生命周期，不是很符合Lily的需要吗？为何不能选A

2022-08-29 14:33 1 · 回答

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2021-05-13 08:47 1 · 回答

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2020-11-03 11:48 2 · 回答