第1部份：人壽保險簡介

正確答案 / Correct Answer: B

• 人壽保險的主要目的包括：(I) 在被保人死亡時為受養人提供財務保障，以及 (II) 透過儲蓄/投資成分累積財富（Study Notes §1.1.1(c) 明確列出「Investment」為壽險的認可功能之一）。
• 稅務優惠（III）並非人壽保險的核心需求，且在香港並非所有壽險均享有稅務豁免。
• 因此，I 及 II 均為人壽保險的正確需求。

• The purposes of life insurance include: (I) providing financial protection for dependants on the death of the insured, and (II) accumulating wealth through savings/investment components (Study Notes §1.1.1(c) explicitly lists Investment as a recognized purpose of life insurance).
• Tax exemption benefits (III) are not a core need for life insurance, and not all life insurance products in Hong Kong offer tax advantages.
• Therefore, both I and II are correct purposes of life insurance.

正確答案 / Correct Answer: A

• 可保利益要求投保人在被保人死亡時會蒙受財務損失。配偶之間有天然的財務依賴關係，因此具備可保利益。
• 陌生人與被保人之間通常不存在財務依賴，不具可保利益。
• 人身保險的可保利益只需在投保時存在，而非索賠時。

• Insurable interest requires the policyholder to suffer a financial loss upon the insured's death. Spouses have a natural financial dependency, so insurable interest exists.
• A stranger generally has no financial dependency on the insured and lacks insurable interest.
• For life insurance, insurable interest only needs to exist at the time of application, not at the time of claim.