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2.3 若一名保單所有人在兩年前購買一份人壽保單,(有分紅性質),而事隔兩年後,他再購 買另一份為期5年的定期壽險計劃。在半年後,該投保人身亡。若以上兩份保單仍生 效的話:If a policyowner purchased a life insurance policy (with par) two years ago,and then twoyears later he purchased another five-year life insurance. Six months later, the policyholder died and if the above two policies are still valid:
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1.1a(b) 陳先生申請十萬元按揭貸款,打算在二十年內清還全部本金及利息,而陳先生想以最 便宜的壽險作保障,以求在供款期間逝世也可以壽險利益作清還按揭貸款,您認為以 下哪項保險最適合他?Mr. Chan applies for a $100,000 mortgage loan and plans to repay all principal and interestin 20 years. He wants the cheapest life insurance protection so that even if he dies during the repayment period his death benefit can repay the mortgage loan. Which of thefollowing insurances you think is the most suitable for Mr. Chan?
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3(c) 根據提前支付死亡保險利益條款,在某些嚴重的情況下,縱使死亡並未發生,保單所 列明的死亡金是可以支付給保單所有人,但:According to Accelerated Death Benefit rider provision, under certain serious situations, all or part of the death benefit under the policy may be payable to a policyowner, althoughdeath has not yet occurred, but:
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5.1(f) 保證可保利益附約指保單所有人有權購買增額保障,並且保證可保。如保單同時加有 豁免保費附約, 而「受保保單所有人」準備行使增額保險權利時遭致傷殘, 那麼:A guaranteed Insurability Option rider means the policyowner has the right to purchase an additional cover,and it has been guaranteed. If the insurance also has a Waiver of Premium rider and the policyowner-insured is disabled at the time, therefore:
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4 保單持有人訂立保單時,以瑪莉為指名受益人,兩年後,他更改該保單,致令瑪莉如 比他較早逝,莉莉便會成為受益人,那莉莉在這種情況下會被稱為:A policyowner specifies Mary as the beneficiary in the policy. Two years later he changes the policy so that if Mary dies before him, Lily will be the beneficiary. In that case lily is called:
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4(c) 黃生買了一張保單,訂明他的小兒子作為受益人,根據「已婚者地位條例」,當保單 作出賠償,以下哪項正確?Mr. Wong purchased apolicy, and his youngest son is listed as a beneficiary. Under the "Married Persons Status Ordinance" when the policy pay out the claim, which of thefollowing is true?
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