问题 单项选择题

王某为自己购买了定期寿险保单,由于其子女都不尽赡养义务,而与王某非亲非故的张某却一直照顾他,故王某在投保时指定张某为其保单受益人。王某死后,其子女却要以继承人的身份领取保险金,同时,王某的债权人也向保险人请求这笔保险金。对此,保险人正确的处理方案是()

A.将保险金全额给付张某

B.将保险金给付张某及王某子女各一半

C.将保险金全额给付王某子女

D.扣除债务后,将保险金给付张某

答案

参考答案:A

解析:

投保人指定了受益人,受益人的受益权来自被保险人或者投保人的指定,而非继承取得。因而保险金不得作为遗产处理,被保险人的债务人不得要求以保险金偿还债务,遗产继承人也不得以继承为由请求保险金。

完形填空
完形填空.

      Do you want to stay healthy? Let me tell you __1__ have a healthy diet (饮食).
      In the morning, you can eat some bread, cakes and eggs. You should drink a glass of milk. It's
 very important for you because it can __2__ you much energy (能量). It __3__ good for you to go
 to school or work without (没有) breakfast.
      You must feel very __4__ at lunchtime. So you have something good __5__ lunch. You can
 have some fish or chicken. __6__ , such as carrots and tomatoes, are also very important because
 they can keep you healthy.
      In the evening, you must be tired. You should eat things __7__ noodles or others with some
 vegetables. But remember __8__ eat too much because you can't do much exercise in the evening.
 Before going to bed, you can have a glass of milk. It can __9__ you sleep well.
      At last, you should eat more __10__ . Here's a proverb (谚语): An apple a day keeps the
 doctor away.

( ) 1. A. how          
( ) 2. A. get          
( ) 3. A. does        
( ) 4. A. happy        
( ) 5. A. to          
( ) 6. A. Vegetables  
( ) 7. A. are like    
( ) 8. A. don't        
( ) 9. A. turn        
( ) 10. A. apples      
   B. how to  
   B. spend    
   B. doesn't  
   B. sad      
   B. for      
   B. Meat    
   B. like    
   B. to      
   B. start    
   B. oranges  
C. what        
C. give        
C. is          
C. hungry      
C. of          
C. Fruit      
C. look like  
C. not to      
C. improve    
C. bananas    
D. what to
D. take    
D. isn't  
D. busy    
D. with    
D. Snacks  
D. likes  
D. 不填    
D. help    
D. pears  
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