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Ann am poileasaidhean àrachais beatha caochlaideach, dè an dòigh anns an urrainn do luchd-seilbh tarraing a-mach?
Ann am poileasaidhean àrachais beatha caochlaideach, dè an dòigh anns an urrainn do luchd-seilbh tarraing a-mach?
- Suim airgid stèidhichte a-mhàin tro bhith a' lùghdachadh na suim còmhdaich beatha cinnteach.
- An àireamh de dh'aonadan tro bhith a' cur às do aonadan.
- An àireamh de dh'aonadan no suim airgid stèidhichte tro bhith a' cur às do aonadan. (correct)
- An àireamh de dh'aonadan no suim airgid stèidhichte tro bhith a' lùghdachadh na suim còmhdaich beatha cinnteach
Dè am fear de na roghainnean a leanas a tha ceàrr a thaobh sùbailteachd poileasaidhean beatha caochlaideach?
Dè am fear de na roghainnean a leanas a tha ceàrr a thaobh sùbailteachd poileasaidhean beatha caochlaideach?
- Tha sùbailteachd aig luchd-seilbh poileasaidh na cosgaisean àrdachadh no ìsleachadh airson beatha caochlaideach cunbhalach.
- Faodaidh luchd-seilbh poileasaidh iasadan fhaighinn an aghaidh am poileasaidhean beatha caochlaideach suas gu luach iomlan an tarraing-a-mach. (correct)
- Tha sùbailteachd aig luchd-seilbh poileasaidh gluasad bho aon fhaidhle gu fear eile, cho fad 's a choileanas iad slatan-tomhais a' chompanaidh.
- Faodaidh luchd-seilbh poileasaidh iarraidh pàirt den phoileasaidh a tharraing a-mach, agus thèid an t-suim sin a choileanadh le bhith a' reic nan aonadan aig a' phrìs thairgse.
Dè na nithean a leanas a tha fìor mu thoraidhean tasgaidh fo phoileasaidh àrachais beatha caochlaidich?
Dè na nithean a leanas a tha fìor mu thoraidhean tasgaidh fo phoileasaidh àrachais beatha caochlaidich?
- Chan eil iad cinnteach
- Tha iad ag atharrachadh a rèir àrdachadh agus tuiteam prìsean margaidh
- Tha iad cinnteach
- Tha iad ceangailte ri coileanadh stiùireadh maoin tasgaidh leis a' chompanaidh àrachais beatha (correct)
Dè na nithean a leanas a tha fìor?
Dè na nithean a leanas a tha fìor?
Dè an aithris a leanas a tha ceàrr?
Dè an aithris a leanas a tha ceàrr?
Dè na nithean a leanas a tha fìor mu phoileasaidhean beatha caochlaideach?
Dè na nithean a leanas a tha fìor mu phoileasaidhean beatha caochlaideach?
Dè an ionnstramaid tasgaidh as freagarraiche airson neach-tasgaidh aig a bheil ùidh ann a bhith a’ dìon a phrionnsapal agus a’ faighinn sruth cunbhalach de theachd a-steach?
Dè an ionnstramaid tasgaidh as freagarraiche airson neach-tasgaidh aig a bheil ùidh ann a bhith a’ dìon a phrionnsapal agus a’ faighinn sruth cunbhalach de theachd a-steach?
Dè na ana-cothroman a th’ ann a bhith a’ tasgadh ann an earrannan cumanta?
Dè na ana-cothroman a th’ ann a bhith a’ tasgadh ann an earrannan cumanta?
Dè na h-aithrisean a leanas mu na h-eadar-dhealachaidhean eadar poileasaidhean Beatha Caochlaideach agus poileasaidhean Tabhartais a tha CEÀRR?
Dè na h-aithrisean a leanas mu na h-eadar-dhealachaidhean eadar poileasaidhean Beatha Caochlaideach agus poileasaidhean Tabhartais a tha CEÀRR?
Dè na h-aithrisean a leanas mu dheidhinn toinneamh a tha CEÀRR?
Dè na h-aithrisean a leanas mu dheidhinn toinneamh a tha CEÀRR?
Tha Mgr. Juan dela Cruz an-dràsta a’ cosnadh P30,000 / mìos. Tha e 35 bliadhna a dh’aois agus tha suim reusanta de shàbhalaidhean aige. Tha ìre meadhanach de fhulangas cunnairt aige. Dè an seòrsa poileasaidh a mholadh tu dha a cheannach?
Tha Mgr. Juan dela Cruz an-dràsta a’ cosnadh P30,000 / mìos. Tha e 35 bliadhna a dh’aois agus tha suim reusanta de shàbhalaidhean aige. Tha ìre meadhanach de fhulangas cunnairt aige. Dè an seòrsa poileasaidh a mholadh tu dha a cheannach?
Dè na buannachdan a tha rim faighinn nuair a bhios tu a’ tasgadh ann am maoinean Beatha Caochlaideach?
Dè na buannachdan a tha rim faighinn nuair a bhios tu a’ tasgadh ann am maoinean Beatha Caochlaideach?
Rangachadh na leanas a thaobh an leachtachd, bhon leaghan as ìsle chun an leaghan as motha.
Rangachadh na leanas a thaobh an leachtachd, bhon leaghan as ìsle chun an leaghan as motha.
Is e URRAS AONAIDH
Is e URRAS AONAIDH
Fo phoileasaidhean Àrachais Beatha Caochlaideach
Fo phoileasaidhean Àrachais Beatha Caochlaideach
Flashcards
Tarraing air ais poileasaidh àrachais beatha caochlaideach
Tarraing air ais poileasaidh àrachais beatha caochlaideach
Faodaidh luchd-seilbh poileasaidh àrachais beatha caochlaideach tarraing air ais ann an cruth àireamh de dh'aonadan no suim airgid stèidhichte tro sgaoileadh aonadan.
Iasadan an aghaidh Poileasaidhean Beatha Caochlaideach
Iasadan an aghaidh Poileasaidhean Beatha Caochlaideach
Chan urrainn do luchd-seilbh phoileasaidhean iasadan a ghabhail an aghaidh nam poileasaidhean beatha caochlaideach suas ri luach iomlan tarraing air ais nam poileasaidhean aca.
Toraidhean tasgaidh fo phoileasaidh àrachais beatha caochlaideach
Toraidhean tasgaidh fo phoileasaidh àrachais beatha caochlaideach
Tha na toraidhean tasgaidh ceangailte ri coileanadh stiùireadh maoin tasgaidh leis a’ chompanaidh àrachais beatha agus ag atharrachadh a rèir àrdachadh is tuiteam prìsean margaidh.
Luach poileasaidh beatha caochlaideach
Luach poileasaidh beatha caochlaideach
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Lasachadh
Lasachadh
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Prìs tairgse ann am poileasaidhean beatha caochlaideach
Prìs tairgse ann am poileasaidhean beatha caochlaideach
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Iomall eadar prìs thairgse is tairgse
Iomall eadar prìs thairgse is tairgse
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Ionnsramaid tasgaidh freagarrach
Ionnsramaid tasgaidh freagarrach
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Eas-bhuannachdan tasgadh ann an earrannan cumanta
Eas-bhuannachdan tasgadh ann an earrannan cumanta
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Poileasaidhean beatha caochlaideach vs. poileasaidhean tabhartais
Poileasaidhean beatha caochlaideach vs. poileasaidhean tabhartais
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A’ toinneamh
A’ toinneamh
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Poileasaidhean àrachais beatha caochlaideach a’ tabhann
Poileasaidhean àrachais beatha caochlaideach a’ tabhann
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Roghainn airson cur ris
Roghainn airson cur ris
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Cosgaisean dìon fo phoileasaidh àrachais beatha caochlaideach
Cosgaisean dìon fo phoileasaidh àrachais beatha caochlaideach
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Iomadachadh ann an riaghladh pasgan
Iomadachadh ann an riaghladh pasgan
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Study Notes
- Variable Life insurance policy owners can make withdrawals via unit cancellation or fixed monetary amounts.
- A false statement regarding Variable Life Policies is that policy owners can take loans against them up to the entire withdrawal value.
- Investment returns under Variable Life insurance policies are not guaranteed, linked to investment fund performance, and fluctuate with market prices.
- Policy value of Variable Life policies is determined by the offer price at valuation, life companies maintain separate accounts for these policies.
- A false statement is that misrepresentation is a specific form of twisting.
- Offer price determines the number of units cancelled, and the bid-offer margin covers management costs for Variable Life Policies.
- Policy value is based on the bid price of units allocated to the policy.
- Fixed income securities are suitable for investors seeking principal protection and steady income.
- Disadvantages of investing in common shares include dividends not being fixed, exposure to market risks, and the potential for shares to become worthless if the company becomes insolvent.
- A false statement about Variable Life and Endowment policies is that their policy values directly reflect the performance of the fund of the company.
- A false statement about twisting is that it refers to an advisor offering a prospect a special inducement to purchase a policy.
- Variable Life policies would be recommended for someone with a moderate risk tolerance.
- Benefits of investing in Variable Life funds include access to diversified portfolios, flexible premiums, and access to professional fund managers.
- Liquidity ranking from least to most liquid: Property, Equities, Short Term Securities, Cash.
- A Unit Trust is established by a trust deed, enabling a trustee to hold money and assets in trust for the investor.
- Variable Life Insurance policies do not guarantee a minimum sum for dividends or a level of life insurance protection.
- Each premium purchases units dependent on the selling price and units are only purchased from the Variable Life Fund itself.
- Investing in a Variable Life fund provides Policy Owners with access to a pooled and diversified investment portfolio.
- Policy Owners can easily change premium levels as Variable Life policies offer separate structures for investment and insurance.
- Policy Owners can access Variable Life funds managed by professional investment managers.
- The best description of Variable Life policy benefits is that they are directly linked to the investment performance of the underlying assets.
- Understanding the sales proposal fully is important because the investment condition changes impact on variable life policy are borne solely by the customer.
- True statements about rebating are that it is prohibited under the Insurance Code and involves offering a special inducement to purchase a policy.
- The false statement is that Variable Life insurance policies are indirectly linked to the investment performance of the life company.
- A false statement about topping-up Variable Life insurance products is that additional units will be allocated to new Variable Life insurance policies.
- Characteristics of Variable Life insurance include: performance-based withdrawal value and protection benefits, implicit protection costs, and withdrawal value calculated at bid price.
- True statements include that there is no fixed term in a single premium Variable Life policy and thus they are technically Whole Life insurance and they are top-ups single premium injections are allowed in these plans.
- Investing in bonds offers the following advantages except, it enables the investors an opportunity for capital appreciation.
- The true statements about Variable Life policies are that the withdrawal value is not guaranteed, and the volatility of returns depends on the investment strategy of the fund.
- A Single Premium Variable Life insurance policy must be issued with a minimum death benefit.
- The true statements about Variable Life policies are that they generally have larger exposure to equity investments and protection costs are generally met by implicit charges.
- The false statement about Variable Life fund benefits is that the fund ensures definite high yield for an investor since it is managed by professionals who are well-versed in the management of risks of investment portfolios.
- Flexibility benefits of investing in Variable Life funds include changing the sum assured, switching investments, premium holidays and top-ups, and the ability to easily change the level of their premium payment.
- Fundamental differences between traditional participating and Variable Life insurance policies include: the investment elements of Variable Life insurance policies are made known at the outset in a separately identifiable fund, they offer the potential for higher returns, and traditional policies aim for steady returns by smoothing market fluctuation.
- The switching facility under Variable Life insurance policies is very useful for the purpose of financial planning by the policy owners.
- A true statement about surrender value under Traditional participating life insurance products is that the net cash surrender value includes the surrender value of the paid-up addition to the date of surrender.
- A true statement about the risk of investing in Variable Life funds is that policy owners who invest in Variable Life funds with high equity investment face greater risk but can expect to achieve a higher return than the Traditional Life insurance product over the long term.
- Charges and Fees are deducted after the single premium has been invested into the account, and the growth rate of the unit price and the bid-offer spread is maintened at 8% and 4.5% respectively.
- The protection costs vary with the age of policy owner and level of cover. They are also generally met by explicit charges stipulated openly in the policy terms.
- Diversification does not completely eliminate the risk of investing in stocks in a portfolio.
- Advantages of investing in preferred shares include the right to a fixed dividend and priority over company assets during dissolution.
- Traditional participating life insurance dividend allocations are not directly linked to investment performance, have already been smoothened by the life company, and are not fixed at the policy's start.
- The objective of satisfying the customers' need profitability can be achieved by an advisor through the use of sales plan, where sales goals, strategies and objectives are coordinated with market analysis, segmentation and targeting.
- The statements that holds true about cash is that the amount invested in cash depends on the size of the cash flow requirement.
- Under a Regular Premium Variable Whole Life insurance plan, premium top-ups and holidays are usually allowed and withdrawals after a few years are also allowed.
- The following statement about investment objective is false: People invest money in fixed deposits to produce high and guaranteed returns.
- The main characteristics of variable life policies include their use for investments, savings, and protection, and the investment performance determines the withdrawal values and protection benefits.
- Risk can be classified as the risk of not losing some or all of a person's initial investment and The risk of rate of return on the investment not matching up to the individual's expectation.
- The duties of the trustees of a unit do not include managing the portfolio of investment of the unit trust. The management is done by fund managers, not trustees.
- The policy fee payable by a Variable Life insurance policy owner is to cover The administrative expenses of setting up the Variable Life insurance policy.
- The selling pric eunder a Variable Life insurance policy is The price at which units under the policy are offered for the sale by the life company.
- Risk-return profile of funds typically shows that higher return is linked to higher risk and equity funds are at the top end of the graph
- Diversification involves reducing the risks of investment by putting one fund management into several categories of investment.
- Variable Life funds, when invested in equity funds, feature prices that rely on shares of stocks where an investor aims for capital appreciation.
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