第2部份：人壽保險及年金類型

正確答案 / Correct Answer: B

• 定期保險只在保障期限內提供身故保障，若被保人在保障期滿後仍生存，保單到期而無賠償，亦通常沒有現金價值。
• 因此定期保險保費通常低於同等保額的終身壽險，因為不含儲蓄成分。
• 定期保險是純保障產品，以最低保費提供最高保額的身故保障。

• Term insurance provides death protection only within the coverage period. If the insured survives to the end of the term, the policy expires with no payout and typically no cash value.
• As a result, term insurance premiums are generally lower than whole life insurance with the same sum assured, as there is no savings component.
• Term insurance is a pure protection product offering maximum death coverage at minimum premium.

正確答案 / Correct Answer: C

• 儲蓄壽險兼具保障與儲蓄功能：若被保人在保障期內死亡，支付身故賠償；若保障期滿仍生存，則支付滿期金（Maturity Benefit）。
• 因此儲蓄壽險保費通常高於同等保額的定期保險，因為包含儲蓄成分。
• 儲蓄壽險是「生死均賠」的產品，而定期保險是「只賠死亡」。

• Endowment insurance combines protection and savings: it pays a death benefit if the insured dies during the term, and pays a maturity benefit if the insured survives to the end of the term.
• Premiums for endowment insurance are therefore generally higher than term insurance with the same sum assured, as it includes a savings component.
• Endowment pays in both death and survival scenarios, while term insurance only pays upon death.