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Mr Chan, aged 42, is the sole breadwinner of his family. He wishes to ensure his wife and two children can maintain their living expenses if he dies prematurely. Which category of life insurance need does this primarily reflect?
陳先生42歲，是家庭唯一收入來源，希望若自己早逝，妻子及兩名子女仍可維持生活開支。這主要反映哪一類人壽保險需要？
正確答案：A
教材將「受養人生活開支」列為典型個人需要，目的在收入提供者死亡後以保險金替代其未來收入。關鍵人物、合夥安排及僱員福利屬業務需要，與本題家庭保障情境不符。