第1部份：投資相連壽險簡介

Q1 免費 Free

投資相連長期保險保單（ILAS）的主要特點是什麼？

What is the main characteristic of an Investment-linked Assurance Scheme (ILAS)?

• A. 結合人壽保險保障與投資成分，保單價值隨相連基金表現而變動
• B. 提供固定回報，不受市場波動影響
• C. 只提供人壽保障，沒有投資成分
• D. 保證本金不會損失

• A. Combines life insurance protection with an investment component, with policy value linked to the performance of the underlying funds
• B. Provides fixed returns unaffected by market fluctuations
• C. Provides life insurance protection only with no investment component
• D. Guarantees that the principal will not be lost

顯示答案 / Show Answer

正確答案 / Correct Answer: A

• 投資相連長期保險保單（ILAS）是一種結合人壽保險保障與投資成分的保險產品。
• 保單的價值會隨所選擇的相連基金表現而波動，並非固定回報。
• 投保人承擔投資風險，本金並無保證。

• An Investment-linked Assurance Scheme (ILAS) is an insurance product that combines life insurance protection with an investment component.
• The policy value fluctuates according to the performance of the selected underlying funds, not a fixed return.
• The policyholder bears the investment risk and the principal is not guaranteed.

Q2 免費 Free

投資相連長期保險保單與傳統人壽保險的主要分別是什麼？

What is the key difference between an ILAS policy and a traditional life insurance policy?

• A. ILAS 不提供任何人壽保障
• B. 傳統人壽保險的保單價值與投資基金掛鉤
• C. ILAS 的保單價值與相連投資基金的表現掛鉤，而傳統壽險通常提供保證或分紅利益
• D. 傳統人壽保險不提供死亡賠償

• A. ILAS does not provide any life insurance protection
• B. Traditional life insurance policy value is linked to investment funds
• C. ILAS policy value is linked to the performance of underlying investment funds, while traditional life insurance typically provides guaranteed or with-profits benefits
• D. Traditional life insurance does not provide death benefits

顯示答案 / Show Answer

正確答案 / Correct Answer: C

• ILAS 的保單價值直接與相連投資基金的市場表現掛鉤，存在投資風險。
• 傳統人壽保險（保證型或分紅型）通常提供較確定的回報，不直接與基金掛鉤。
• 兩種保單均提供人壽保障，但回報機制不同。

• ILAS policy value is directly linked to the market performance of the underlying investment funds, carrying investment risk.
• Traditional life insurance (guaranteed or with-profits) typically offers more predictable returns not directly linked to funds.
• Both policy types provide life insurance protection, but differ in their return mechanisms.