2024年9月試験実技問13

法令基準日 2024-04-01

問題

生命保険の指定代理請求特約に関してFPの佐久間さんが行った次の説明のうち、最も不適切なものはどれか。なお、被保険者と保険金、給付金の受取人は同一人であるものとする。

1.「入院給付金や特定疾病保険金、高度障害保険金、リビング・ニーズ特約による保険金は、疾病等により意思表示できない等の特別な事情がある場合、あらかじめ指定した指定代理請求人が代理請求することができます。」

2.「指定代理請求特約を付加するに当たって特約保険料は不要です。」

3.「指定代理請求人は保険期間の途中で変更することはできません。」

4.「指定代理請求特約を付加し、所定の要件に該当した場合、保険契約者と被保険者が同一人の場合の保険料払込免除についても、指定代理請求人が代理請求することができます。」

公式模範解答を見る

3. 「指定代理請求人は保険期間の途中で変更することはできません。」

表記・単位・複数空欄の組合せは公式模範解答に合わせています。配点は協会非公表です。

解き方・判断の根拠

The question sets the premise that the insured person and the recipient of the insurance money and benefits are the same person. The designated proxy claim rider (指定代理請求特約) exists for this situation. If the insured is also the recipient but cannot make a claim because of a special circumstance, such as being unable to express their will due to illness, the pre-designated proxy (指定代理請求人) can claim on their behalf. The policyholder can change the designated proxy during the policy term by following the prescribed procedure. This normally requires the insured person's consent. Choice 3 says the proxy cannot be changed during the policy term, so it is the least appropriate statement. The official answer is 3.

各選択肢の理由

1.Appropriate. Under this question's premise (insured = recipient), hospitalization benefits, specified-disease insurance money, severe-disability insurance money, and living-needs rider money are all paid to the insured. If a special circumstance prevents the insured from claiming, such as being unable to express their will due to illness, the pre-designated proxy can claim on their behalf.

2.Appropriate. The designated proxy claim rider only lets someone else make claims on the insured's behalf, so it adds no separate insurance coverage. It can be attached without any rider premium.

3.Not appropriate, so this is the answer. The policyholder can change the designated proxy during the policy term by following the prescribed procedure, normally with the insured person's consent. Saying it cannot be changed is wrong.

4.Appropriate. When the policyholder and the insured are the same person, the premium-waiver claim is also the insured's own claim. It is therefore covered by the proxy claim. If the prescribed requirements are met, the designated proxy can claim the premium waiver on the insured's behalf.

公式問題PDF 公式模範解答PDF

出典：日本FP協会 2級ファイナンシャル・プランニング技能検定実技試験（資産設計提案業務）2024年9月試験。改行・空白を整え、図表がある設問では原典の該当箇所を画像で併記。