问题 单项选择题

请根据以下资料回答下列问题:


王四夫妇均35岁,预计退休年龄均为65岁,且长子7岁,次子2岁。家庭税后年收入20万元,其中王四15万元,其妻张翠收入5万元。家庭主要资产负债:房屋80万元(市场估值),汽车(折旧)和其他家庭财产价值20万元,目前储蓄8万元。房贷余额50万元。家庭年生活费用开支8万元,其中王四个人生活费用年支出3万元。除前述家庭生活费用开支外,王四个人另有其他年度支出1.5万元。
王四家庭的理财目标:应急基金5万元,教育基金现值两个小孩各20万元(准备到两个孩子各17岁时使用);养老基金(65岁时使用)现值25万元,临终与丧葬费用6万元。
收入成长率5%,通货膨胀率4%,贴现率6%。
(假设收入在期末,支出在期初发生。)

如果张翠第1年死亡,在张翠死亡时,银行有可能一次收回房贷款。王四家庭的生活费用支出保持8万元不变,基于张翠家庭现金需求的角度,则张翠的寿险保障需求为______。(答案取最接近值。)
(1)张翠不需要人寿保险,王四的收入均大于家庭生活费用支出
(2)张翠需要人寿保险,王妻死亡的当年家庭仍有较大的现金需求
(3)张翠的保险需求不低于61万元
(4)张翠的保险需求不会超过61万元
(5)张翠的保险需求不会超过50万元
(6)张翠的保险需求为零

A.(1)(6)
B.(2)(3)
C.(2)(4)
D.(2)(5)

答案

参考答案:B

解析: 张翠第1年死亡后,尽管各年的收入缺口(没有考虑一次性还贷等应急需求)为正,但考虑一次性还贷及其他应急现金需求,张翠仍有寿险保障需求。
张翠的寿险需求=应急基金5万元+临终与丧葬费用6万元+一次性还贷50万元+遗属当年生活费用8万元-生息资产8万元=61万元

单项选择题 共用题干题
阅读理解

阅读理解。

     Although the Queen of the UK is no longer responsible for governing the country, she carries out a great

many important tasks on behalf of the nation. 

     ● Head of State

    As Head of State, the queen goes on official state visits abroad. She also invites other world leaders to come

to the United Kingdom. During their visits, heads of states usually stay at Buckingham Palace, or sometimes at

Windsor Castle or Holy Rood-house in Edinburgh. 

     ● Head of the Church of England

     The Queen is Head of the Church of England, a position that all British monarchs have since it was founded

by Henry Ⅷ in the 1530s.

     The Queen appoints archbishops and bishops on the advice of the Prime Minister. The spiritual leader of the

Church of England is the Archbishop of Canterbury. 

     ● Government Duties

     Every day, "red boxes" are delivered to.the Queen's desk, full of documents and reports from govemment

ministers and Commonwealth officials. They must all be read and, if necessary, signed by the Queen. 

     ● The Representative of the Nation

     The Queen represents the nation at times of great celebration or sorrow. One example of this is the

Remembrance Day ceremony at the cenotaph monument in Whitehall. The Queen lays a wreath there each year

to honor the members of the armed forces who have died fighting for their country. 

     ● Royal Garden Parties

     At least three Royal Garden Parties are held at Buckingham Palace each year and about 8,000 guests attend

each one. 

     ● Visits

     Alongside her other duties, the Queen spends a huge amount of time traveling around the country and visiting

hospitals, schools, factories and other places and organizations.

1. Which of the following is NOT the Queen's job? [ ]

A. Paying official state visits to other countries.

B. Appointing bishops.

C. Inviting foreign leaders to visit the UK.

D. Making laws for the country.

2. When foreign leaders visit the UK, they don't stay in ____. [ ]

A. Holy Roodhouse in Edinburgh

B. Whitehall

C. Windsor Castle

D. Buckingham Palace

3. The underlined word "monarchs" in the passage most probably refers to ____. [ ]

A. kings or queens

B. prime ministers

C. archbishops

D. the Queen's family

4. Which of the following is TRUE according to the passage?[ ]

A. The prime minister is the representative of the nation.

B. The Church of England was founded by Henry Ⅷ.

C. The spiritual leader of the Church of England is the Queen.

D. The Queen signs all the documents and reports from the government.

5. From the passage, we know that ____. [ ]

A. Royal Garden Parties are held at Whitehall each year

B. the Queen and the Prime Minister govern the nation together

C. the Queen takes advice of the Prime Minister on appointing archbishops

D. the Prime Minister spends much time traveling around the country