问题 单项选择题

王先生家庭税后年收入20万元(王先生贡献70%),他于今年购买了一套总价110万元的投资性住房,其中贷款70万元,20年期,利率5%;目前无储蓄也无任何商业性保险。如果代理人小张要给王先生家庭规划商业保险,在寿险保障需求分析中应考虑的因素有______。
(1)70万元的房贷
(2)家人未来生活费用的现值
(3)将投资性住房计入现有资源时,存在资产强迫变现的损失风险
(4)家庭成员发生意外所带来的家庭现金流的变化

A.(1)(2)
B.(1)(3)(4)
C.(1)(2)(3)(4)
D.(2)(3)(4)

答案

参考答案:C

解析: 寿险保障需求分析是以家庭主要成员万一不幸为条件的情景分析,了解继续实现主要家庭财务目标所需要的资源缺口。具体分析时一方面需要综合考虑家庭的债务余额、家人未来生活费用现值、子女教育金现值及其他婚嫁丧葬费用等;另一方面在现金流分析中,对现有资源变现能力或可靠性应做审慎的检查,即一旦不幸事件发生时现金流是否发生负面变化、资产权利是否会短期内需要被迫变现、资产变现可能遇到的损失等因素。

阅读理解

JLetter 1
Whatever I do, I always think about if other people will like it. How can I stop worrying about what they think?                                                         —Eva, 14, Illinois
JLetter 2
My dream is to be on the Olympic team for gymnastics. My dad thinks I started too late and I’ll never be able to make it. He puts me down, but I want his support. What should I do?                                                    —Erica, 9, Texas
JLetter 3
What should I do if I failed a test? I’m afraid to tell my mom because she might get mad at me and I can’t play soccer. And soccer is like the world to me.
—Ashley, 12, Wisconsin
JLetter 4
I just moved and I’m kind of shy, so how do I make new friends?
—Jessica, 11, Canada
Dr. Molly’s Answer ①
You should tell him about your dream and that if you work really hard, it might happen even though you started late. The sooner you tell your dad how you feel, the sooner you’ll be able to work on making your dream come true.
Dr. Molly’s Answer ②
Nobody knows you at your new school. You have nothing to lose, so gather up all your courage and go over to someone who looks friendly and introduce yourself. You can ask that person about your teacher or the other kids in your class to break the ice. Good luck!
Dr. Molly’s Answer ③
It’s better to tell your mom the truth than for her to find out another way. When you tell her, explain why you failed the test. Ask her if she can help you study in the future, so you’ll do better on your tests and also have time for the soccer you love.
Dr. Molly’s Answer ④
Just be yourself and try not to care about what others think. The more you think about it, the worse you will feel. Always act strong and confident. Even if you are a little unsure of something, don’t doubt (怀疑) your abilities to do things right. Just relax.
小题1:Jessica ____________.
A.wonders how to make new friends
B.wishes to be on the Olympic team
C.is afraid to tell her mom about her failing a test
D.keeps worried about what other people think about her
小题2:____________loves playing soccer best.
A.EricaB.EvaC.AshleyD.Jessica
小题3:Erica’s dad doesn’t support her because he thinks she___________.
A.is a little shy and can’t do it wellB.didn’t start at a very early age
C.is too young to be on the teamD.doesn’t work hard
小题4: According to Dr. Molly, Eva should ____________.
A.hold on to her dreamB.always tell the truth
C.be brave to say hello to othersD.be confident of herself
小题5:Which is the correct order of Dr. Molly’s answers to the four letters?
A.①④③②B.③④②①C.②③①④D.④①③②
问答题 简答题