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第一章

第四章

24% 12題
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 ˴

毛
保
費
純
淨
保
保
險
費
費

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美
式
保
單

英
式
保
單

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 *
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( )

-
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- -

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 退保現金價值/現金價值/
退保價值
(Cash Surrender Value)/(Cash
Value/Surrender Value)

減額清繳保險 展期保險
(Reduced Paid-Up Insurance) (Extended Term Insurance)

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第五章

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*

( C ) (5.2.8)
(5.2.9)
- / (5.2.10)
(5.2.11)

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▪ ▪
(Universal
▪ Life
Insurance)
▪ ▪
(Unit-Linked
Long Term
Insurance)

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(Level)

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(a)

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➢ ( )

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 + ( )/ /
( )
(pure ( )
endowment)

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 

(Mature)


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 (Variations)

1.  / 
2.
– ( )

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 非傳統的人壽保險

單位相連長期保險
(Universal Life (Unit-Linked Long
Insurance) Term Insurance)

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 保費
(靈活) 可調整的
死亡保險金
增加利益需要
可保性證明

現金價值

（所有資料會於年報 (Annual Report) 中說明）

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 保費
特殊單位化基金或
購買 單位信託

$ 保單價值會波動

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 年金

一筆過或一連串付款(年金代價)

合約另一方
合約持有人
(年金購買人)

生前/約定期限內
收款人/
保險人 合約持有人/
年金標的人
週期性支付年金利益款項

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年金

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人壽保險

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年金 估計死亡
(Estimated Death)

年齡: 60

男性

男性
年齡: 70
年金利益付款開始的年齡越高
每一期年金利益付款便越高

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年金
男性收取年金高於相同年齡的女性

年齡: 60 估計死亡

男性

估計死亡

女性

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 通常整付(躉繳) 年金利益款項
(Single Payment)方式

年金期 (例如一個月)
短期 即兩個連續預定付款日期的相距時間

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 一筆過或 年金利益款項
一連串繳付

特定年齡 / 時間
(並非即時)

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又名“總團體保險合約”

最普遍的種類：僱員福利計劃
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Disability Waiver of Premium Disability Income

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2.
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( 15 65 )

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 :
i.
( ) ii.

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1) 2)
Accidental Death &
Dismemberment

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Accidental Death Benefit

▪
Dismemberment

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(ADB)

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 (ADB)

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 (Benefit Schedule)
( )

100%

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: (ADB Rider)

/
(Release)/ (Release Form)

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 (ADB)

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Long Term Care Benefit (LTC)

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(≤ )
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( 40 )

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Cost of Living Adjustment (COLA)
Benefit

▪
(Composite Consumer Price Index)

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