二、損害填補原則是財產保險的重要原則，請說明此原則的目的為何？並分 析定值保險單（Valued policy）是否有違反此一原則。（25 分）

一、2016 年 12 月，金融監督管理委員會訂定「小額終老保險商品相關規範」， 請問小額終老保險商品的功能與政策目的為何？所稱「小額終老保險」 商品組合係指那二類保險商品？相較於一般壽險商品，小額終老保險的 優點為何？購買小額終老保險在保險金額、理賠及最高承保年齡上有何 限制？（25 分）

二、為避免年齡太大客戶購買投資風險高之投資型保單，無法承受投資損失 而屢生申訴問題，在「投資型保險商品銷售應注意事項」以及「投資型 保險商品銷售自律規範」當中，訂有所謂「七十條款」，試說明「七十 條款」的規範及其相關應包括事項。（25 分）

一、SURVEY REPORT (I)（15 分） I certify that, to the best of my knowledge and belief: The statements of fact contained in this report are true and correct. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, unbiased professional analyses, opinions, and conclusions. I have no present or prospective interest in the vessel that is the subject of this report, and I have no personal interest or bias with respect to the parties involved.

二、SURVEY REPORT (II)（20 分） The following points are given as a guide to the contents required in the survey report: 1. The date/s and locations of the survey/s. 2. The name and designation of all persons present at the survey/s. 3. Copies of any notes of protest and extensions made if any. Details of the weather during loading, the voyage and discharge. 4. Description of the shipment, including place of origin and a description of the damage. 5. Details of loading and discharge. 6. Details of the survey conducted, with a full description of the damage or shortage and a description of the packaging.7. Details of transit, prior to loading and after discharge. 8. The name and address of the shipper and consignee. 9. Appropriate extracts from the ship’s log book. 10 Details of any liability of third parties and details of any claims made. 

三、SHIP SURVEY（15 分） The following damage was found: 1. Tank top 12 m abaft bulkhead and 7 m inboard of port shell plating shallow indent 100 × 120 × 10 mm. 2. 4th frame for’d of bulkhead - flange bent in two places over 400 mm length. 3. After bulkhead - numerous indentations (say 100) to max. depth 20 mm. 4. Port aft and for’d bulkhead sounding pipes - 2 protective straps torn off each end. 5. Mast house between Nos. 2 & 3 hatches - numerous dents, including sharp dent to 15 mm depth and 3 new scars 20 × 20 × 5 mm.

四、CARGO SURVEY（20 分） Underwriters for the cargo may call for a warranty survey when high value cargo is to be shipped. The intention here is to protect the underwriters’ interests by ensuring that the carrier observes good practice, as stipulated by the surveyor. Shippers may call for surveys simply to protect their products from poor stowage, or to provide evidence of quality of the cargo at export. The pre-shipment surveys can be divided into two groups - those centered on the cargo and those centered on the compartment.

五、SURVEY REPORT (I)（10 分） 為了調解兩艘船舶的損失或損壞，我們建議雙方船舶所有人、船東責任 保險協會、保險人及有關方面應對碰撞責任進行合理處理。

六、SURVEY REPORT (II)（10 分） 在完成公證後，應提交一份完整的書面報告，如有可能，將附上彩色照 片。此報告應在指引標題下列出在船上所發現的詳細狀況，並應列示所 有修理的詳細信息。任何未能檢查或測試的項目，應該列出其理由。

七、SURVEY REPORT (III)（10 分） 詳細記載運載船舶航程資料，包括：裝貨港與卸貨港、裝貨港開航日期、 到達卸貨港日期以及到達和離開日期的中間港口清單。

⑴請舉一個壽險商品為例，說明下列區隔變數：人口統計、心理統計以 及行為變數。（15 分）

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