Shirley
2022-02-13 14:38沖刺筆記下54頁說去life insurance coverage 不屬于financial capital，那它算human capital嗎？看到截圖解答一個(gè)說cash value life insurance算人力成本，但另一個(gè)回答又說算fiancial capital，所以到底是怎么區(qū)分？
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(gè)回答
Chris Lan助教
2022-02-13 16:31
該回答已被題主采納
同學(xué)你好
第一個(gè)截圖應(yīng)該更準(zhǔn)確。這塊的原文在P373頁，是在financial capital下面講的。
嚴(yán)格意義來說，應(yīng)該是Cash-Value Life Insurance算是financial capital，而不是cash value。
2.2.4.3 Cash-Value Life Insurance A variety of types of life insurance are available, including cash-value life insurance, for which the policy not only provides protection upon a death but also contains some type of cash reserve. This form of insurance usually combines life insurance protection with some type of cash accumulation vehicle. Some insurance policies allow the purchaser to invest in relatively aggressive investments, such as equities, although more conservative investments, such as bonds, are generally more common. Life insurance products will also be discussed at greater length later in the reading.
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追問
所以是n1.cash value life insurance是financial capitaln2.整體的life insurance的話，既不是financial capital 也不是human capitaln是這樣嗎？
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追答
同學(xué)你好
所以是n1.cash value life insurance是financial capitaln
是的。
2.整體的life insurance的話，既不是financial capital 也不是human capitaln是這樣嗎？
是的。因?yàn)槔碣r款是給到受益人的，不是給投保人的。
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