第4部份：投資相連壽險保單
Paper V — Investment-linked Life Insurance · Part 4: Investment-linked LT Insurance Policies
Q1 免費 Free
投資相連保險保單在香港的監管歸哪個機構主要負責？
Which authority primarily regulates investment-linked assurance schemes in Hong Kong?
顯示答案 / Show Answer
正確答案 / Correct Answer: D
- 投資相連長期保險保單（ILAS）屬保險產品，主要由保險業監管局（IA）監管。
- 由於 ILAS 涉及投資成分，證券及期貨事務監察委員會（SFC）亦對相關中介人有監管權。
- HKMA 主要監管銀行業，HKEX 負責交易所及相關市場。
- ILAS are insurance products primarily regulated by the Insurance Authority (IA).
- Since ILAS involves an investment component, the Securities and Futures Commission (SFC) also has regulatory oversight over related intermediaries.
- HKMA primarily regulates the banking sector; HKEX oversees exchanges and related markets.
Q2 免費 Free
投資相連保險保單的「保單管理費」（Policy Administration Charge）通常是指什麼？
What does the 'policy administration charge' in an ILAS policy typically refer to?
顯示答案 / Show Answer
正確答案 / Correct Answer: C
- 保單管理費是保險公司定期（通常為每月）從保單價值中扣除的行政費用。
- 此費用用於支付保單管理相關的行政開支。
- ILAS 的費用結構複雜，包括保費分配費、保單管理費、死亡保障費、基金管理費及轉換費等。
- The policy administration charge is an administrative fee periodically (usually monthly) deducted from the policy value by the insurer.
- This fee covers administrative expenses related to policy management.
- The fee structure of ILAS is complex, including premium allocation charges, policy administration charges, mortality charges, fund management fees, and switching fees.
Independent study aid. Not affiliated with or endorsed by the Insurance Authority (IA) of Hong Kong.
本應用為獨立學習工具，與香港保險業監管局 (IA) 無關，亦未獲其認可。
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