江同學
2022-04-27 13:01老師好 請問policy owner 的 insurable interest 指的是什么？謝謝
所屬：CFA Level III > Private Wealth Management 視頻位置 相關(guān)試題
來源： 視頻位置 相關(guān)試題
1個回答
Chris Lan助教
2022-04-28 10:14
該回答已被題主采納
同學你好
Insurable interest prevents individuals from gambling on the lives of strangers and removes any incentive to hasten the insured person’s demise. An insurable interest means that the policy owner must derive some type of benefit from the continued survival of the individual that would be negatively affected should that individual pass away. For example, a spouse has an insurable interest because he or she relies on the income or household services of the other spouse. A business has an insurable interest in key executives who are essential to the ongoing operations of the business.
可保利益防止個人對陌生人的生命進行賭博，并消除加速投保人死亡的任何動機（比如，張三和李四只是一般朋友，如果允許張三給李四投保，張三就特別有動機希望李四趕快死掉，這會引發(fā)不道德事件的發(fā)生）?？杀＠嬉馕吨纬钟腥耍ㄍ侗Ｈ耍┍仨殢膫€人（被保險人）的繼續(xù)生存中獲得某種利益，而如果被保險人去世，這種利益將受到負面影響。例如，配偶有可保利益，因為他或她依賴另一方的收入或家庭服務(wù)。對企業(yè)的持續(xù)運營至關(guān)重要的關(guān)鍵高管具有可保利益。
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