{"id":49,"date":"2024-04-16T13:44:17","date_gmt":"2024-04-16T10:44:17","guid":{"rendered":"https:\/\/sisu.ut.ee\/finance\/14-pensionikindlustus-test\/"},"modified":"2024-04-16T13:44:17","modified_gmt":"2024-04-16T10:44:17","slug":"14-pensionikindlustus-test","status":"publish","type":"page","link":"https:\/\/sisu.ut.ee\/finance\/14-pensionikindlustus-test\/","title":{"rendered":"14. Pensionikindlustus test"},"content":{"rendered":"<div id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam13\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-13\"><p>Proovige lahendada eksamitestiga sarnast <strong>enesekontrolli testi<\/strong>.<\/p>\n<ul>\n<li>Testis on k\u00fcmme k\u00fcsimust kuni 5 valikvastusega.<\/li>\n<li>Igale k\u00fcsimusele on ainult \u00fcks \u00f5ige vastus.<\/li>\n<li>\u00d5igesti vastatud k\u00fcsimuse eest saate 1 punkti, valesti vastatud k\u00fcsimuse eest 0 punkti.<\/li>\n<li>Kui kogute v\u00e4hemalt 7 punkti, siis olete testi edukalt sooritanud. Kursuse l\u00f5pueksami l\u00e4vend on samuti\u00a0<strong>70%<\/strong>.<\/li>\n<\/ul>\n<p>Kui saavutate tulemuseks \u00fcle 70%, siis v\u00f5ite selle kursuse ka vahele j\u00e4tta. V\u00f5imalik, et see on Teie jaoks ehk liiga kerge. \u00a0Kui Teie testitulemus j\u00e4\u00e4b aga alla 70%, siis soovitame kaaluda sellel kursusel osalemist. <strong>Teil on, mida juurde \u00f5ppida!<\/strong><\/p>\n<\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-13\" enctype=\"multipart\/form-data\">\n<div class=\"watu-question \" id=\"question-1\" style=\";\"><div id=\"questionWrap-1\" class=\"  watupro-required-125 watupro-question-id-125\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Pensionikindlustuse alus on:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_1\" value=\"125\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType125\" class=\"answerTypeCnt1\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-125\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices125\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-125[]\" id=\"answer-id-504\" class=\"answer   answerof-125 \" value=\"504\"><label for=\"answer-id-504\" id=\"answer-label-504\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. isiku ja pensionifondi v\u00f5i kindlustusseltsi vahel s\u00f5lmitud poliis<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-125[]\" id=\"answer-id-505\" class=\"answer   answerof-125 \" value=\"505\"><label for=\"answer-id-505\" id=\"answer-label-505\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. isiku ja pensionifondi v\u00f5i kindlustusseltsi vahel s\u00f5lmitud leping<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-125[]\" id=\"answer-id-506\" class=\"answer   answerof-125 \" value=\"506\"><label for=\"answer-id-506\" id=\"answer-label-506\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. fikseeritud kindlustusv\u00e4\u00e4rtus<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-125[]\" id=\"answer-id-507\" class=\"answer   answerof-125 \" value=\"507\"><label for=\"answer-id-507\" id=\"answer-label-507\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Variandid A ja B<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-125[]\" id=\"answer-id-508\" class=\"answer   answerof-125 \" value=\"508\"><label for=\"answer-id-508\" id=\"answer-label-508\" class=\" answer\"><span><p><span style=\"color: #000080;\">E. Variandid A ja C<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-2\" style=\";\"><div id=\"questionWrap-2\" class=\"  watupro-required-122 watupro-question-id-122\">\n\t\t\t<div class=\"question-content\"><div><p><strong><span style=\"color: #000080;\">Mati l\u00e4ks t\u00f6\u00f6le 2002. aastal, kui ta oli 25-aastane. Pensionile j\u00e4\u00e4b Mati 65-aastaselt. <\/span><\/strong><\/p><p><strong><span style=\"color: #000080;\">Mati brutopalk on 1\u00a0500 eurot kuus, riigi keskmine brutopalk on 865 eurot kuus. Valitsus on kehtestanud j\u00e4rgmised m\u00e4\u00e4rad: baasosa 114,6575 eurot, staa\u017eiosak 4,343 eurot, kindlustusosak 4,343 eurot. <\/span><\/strong><\/p><p><strong><span style=\"color: #000080;\">Kui suurt pensioni hakkab riik tulevikus Matile maksma?<\/span><\/strong><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_2\" value=\"122\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType122\" class=\"answerTypeCnt2\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-122\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices122\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-122[]\" id=\"answer-id-492\" class=\"answer   answerof-122 \" value=\"492\"><label for=\"answer-id-492\" id=\"answer-label-492\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 307 eurot<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-122[]\" id=\"answer-id-493\" class=\"answer   answerof-122 \" value=\"493\"><label for=\"answer-id-493\" id=\"answer-label-493\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 314 eurot<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-122[]\" id=\"answer-id-494\" class=\"answer   answerof-122 \" value=\"494\"><label for=\"answer-id-494\" id=\"answer-label-494\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 421 eurot<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-122[]\" id=\"answer-id-495\" class=\"answer   answerof-122 \" value=\"495\"><label for=\"answer-id-495\" id=\"answer-label-495\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. 429 eurot<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-3\" style=\";\"><div id=\"questionWrap-3\" class=\"  watupro-required-129 watupro-question-id-129\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Leidke aktuaarne n\u00fc\u00fcdisv\u00e4\u00e4rtus 55 aasta ja 2 kuu vanusele mehele. <\/strong><\/span><\/p><p><span style=\"color: #000080;\"><strong>Intressim\u00e4\u00e4r on 3%. 55-aastasele mehele arvutatud aktuaarne n\u00fc\u00fcdisv\u00e4\u00e4rtus <em>\u00e4<sub>x<\/sub><\/em> = 14,99914 ja t\u00f5en\u00e4osus, et 55-aastane mees aasta jooksul sureb, on 0,01282.<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_3\" value=\"129\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType129\" class=\"answerTypeCnt3\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-129\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices129\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-129[]\" id=\"answer-id-522\" class=\"answer   answerof-129 \" value=\"522\"><label for=\"answer-id-522\" id=\"answer-label-522\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 14,93438<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-129[]\" id=\"answer-id-523\" class=\"answer   answerof-129 \" value=\"523\"><label for=\"answer-id-523\" id=\"answer-label-523\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 14,99914<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-129[]\" id=\"answer-id-524\" class=\"answer   answerof-129 \" value=\"524\"><label for=\"answer-id-524\" id=\"answer-label-524\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 15,10641<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-4\" style=\";\"><div id=\"questionWrap-4\" class=\"  watupro-required-127 watupro-question-id-127\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Pensioni kogumisreserv =<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_4\" value=\"127\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType127\" class=\"answerTypeCnt4\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-127\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices127\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-127[]\" id=\"answer-id-514\" class=\"answer   answerof-127 \" value=\"514\"><label for=\"answer-id-514\" id=\"answer-label-514\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. \u00a0= kindlustusmaksed<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-127[]\" id=\"answer-id-515\" class=\"answer   answerof-127 \" value=\"515\"><label for=\"answer-id-515\" id=\"answer-label-515\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. = kindlustusmaksed - tasu elukindlustuskaitse eest<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-127[]\" id=\"answer-id-516\" class=\"answer   answerof-127 \" value=\"516\"><label for=\"answer-id-516\" id=\"answer-label-516\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. = kindlustusmaksed - (tasu elukindlustuskaitse eest + lepingu s\u00f5lmimise ja haldamise tasu)<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-127[]\" id=\"answer-id-517\" class=\"answer   answerof-127 \" value=\"517\"><label for=\"answer-id-517\" id=\"answer-label-517\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. = kindlustusmaksed - (tasu elukindlustuse eest + lepingu s\u00f5lmimise ja haldamise tasu) + garanteeritud intressim\u00e4\u00e4rast teenitud tulu<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-5\" style=\";\"><div id=\"questionWrap-5\" class=\"  watupro-required-128 watupro-question-id-128\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Mida n\u00e4itab elukestuse jaotusfunktsioon <em>G<sub>x<\/sub><\/em>(<em>t<\/em>) ?<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_5\" value=\"128\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType128\" class=\"answerTypeCnt5\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-128\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices128\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-128[]\" id=\"answer-id-518\" class=\"answer   answerof-128 \" value=\"518\"><label for=\"answer-id-518\" id=\"answer-label-518\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. T\u00f5en\u00e4osust, vanuses <em>x<\/em> olev isik on aja <em>t<\/em>\u00a0 m\u00f6\u00f6dudes veel elus<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-128[]\" id=\"answer-id-519\" class=\"answer   answerof-128 \" value=\"519\"><label for=\"answer-id-519\" id=\"answer-label-519\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. T\u00f5en\u00e4osust, et vanuses <em>x<\/em> olev isik sureb aja <em>t<\/em>\u00a0 jooksul<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-128[]\" id=\"answer-id-520\" class=\"answer   answerof-128 \" value=\"520\"><label for=\"answer-id-520\" id=\"answer-label-520\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. T\u00f5en\u00e4osust, et inimene sureb <em>t<\/em>-aastaselt<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-128[]\" id=\"answer-id-521\" class=\"answer   answerof-128 \" value=\"521\"><label for=\"answer-id-521\" id=\"answer-label-521\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Mitte \u00fckski eeltoodud vastustest<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-6\" style=\";\"><div id=\"questionWrap-6\" class=\"  watupro-required-130 watupro-question-id-130\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Carmeni vend on kogunud oma 65. s\u00fcnnip\u00e4evaks 45\u00a0000 eurot. Ta ostab selle eest kindlustusseltsilt pensionikindlustuse. Kui suurt kuupensioni hakkab ta kindlustusseltsilt saama? <\/strong><\/span><\/p><p><span style=\"color: #000080;\"><strong>Intressim\u00e4\u00e4r on 3%. 65-aastasele mehele arvutatud aktuaarne n\u00fc\u00fcdisv\u00e4\u00e4rtus <em>\u00e4<sub>x<\/sub><\/em> = 11,299320.\u00a0<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_6\" value=\"130\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType130\" class=\"answerTypeCnt6\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-130\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices130\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-130[]\" id=\"answer-id-525\" class=\"answer   answerof-130 \" value=\"525\"><label for=\"answer-id-525\" id=\"answer-label-525\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 318,94 eurot<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-130[]\" id=\"answer-id-526\" class=\"answer   answerof-130 \" value=\"526\"><label for=\"answer-id-526\" id=\"answer-label-526\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 331,88 eurot<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-130[]\" id=\"answer-id-527\" class=\"answer   answerof-130 \" value=\"527\"><label for=\"answer-id-527\" id=\"answer-label-527\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 345,91 eurot<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-7\" style=\";\"><div id=\"questionWrap-7\" class=\"  watupro-required-124 watupro-question-id-124\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>\"Kui tulumaksusoodustusega pensionikindlustuslepingu alusel tehakse v\u00e4ljamakseid kord kvartalis, on need v\u00e4ljamaksed tulumaksuvabad.\"<\/strong><\/span><\/p><p><span style=\"color: #000080;\"><strong>See v\u00e4ide on t\u00f5ene, sest:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_7\" value=\"124\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType124\" class=\"answerTypeCnt7\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-124\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices124\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-124[]\" id=\"answer-id-500\" class=\"answer   answerof-124 \" value=\"500\"><label for=\"answer-id-500\" id=\"answer-label-500\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. k\u00f5ik tulumaksusoodustusega pensionikindlustuslepingu alusel tehtud v\u00e4ljamaksed on tulumaksuvabad<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-124[]\" id=\"answer-id-501\" class=\"answer   answerof-124 \" value=\"501\"><label for=\"answer-id-501\" id=\"answer-label-501\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. v\u00e4ljamaksed, mida tehakse sagedamini kui kord aastas, on tulumaksuvabad<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-124[]\" id=\"answer-id-502\" class=\"answer   answerof-124 \" value=\"502\"><label for=\"answer-id-502\" id=\"answer-label-502\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. v\u00e4ljamaksed, mida tehakse iga kuu v\u00f5i igas kvartalis, on tulumaksuvabad<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-124[]\" id=\"answer-id-503\" class=\"answer   answerof-124 \" value=\"503\"><label for=\"answer-id-503\" id=\"answer-label-503\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. maksusoodustus tuleneb nimetusest \u201etulumaksusoodustusega pensionikindlustusleping\u201d<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-8\" style=\";\"><div id=\"questionWrap-8\" class=\"  watupro-required-126 watupro-question-id-126\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Lisasuremuse m\u00e4\u00e4ramisel arvestatakse j\u00e4rgmisi n\u00e4itajaid:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_8\" value=\"126\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType126\" class=\"answerTypeCnt8\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-126\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices126\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-126[]\" id=\"answer-id-509\" class=\"answer   answerof-126 \" value=\"509\"><label for=\"answer-id-509\" id=\"answer-label-509\" class=\" answer\"><span><p><span style=\"color: #000080;\">A.\u00a0kindlustatu sugu<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-126[]\" id=\"answer-id-510\" class=\"answer   answerof-126 \" value=\"510\"><label for=\"answer-id-510\" id=\"answer-label-510\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. kindlustatu pikkus ja kehakaal<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-126[]\" id=\"answer-id-511\" class=\"answer   answerof-126 \" value=\"511\"><label for=\"answer-id-511\" id=\"answer-label-511\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. haigused, mida kindlustatu p\u00f5eb<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-126[]\" id=\"answer-id-512\" class=\"answer   answerof-126 \" value=\"512\"><label for=\"answer-id-512\" id=\"answer-label-512\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Variandid A ja B<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-126[]\" id=\"answer-id-513\" class=\"answer   answerof-126 \" value=\"513\"><label for=\"answer-id-513\" id=\"answer-label-513\" class=\" answer\"><span><p><span style=\"color: #000080;\">E. Variandid B ja C<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-9\" style=\";\"><div id=\"questionWrap-9\" class=\"  watupro-required-121 watupro-question-id-121\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Eesti pensionis\u00fcsteemi teine sammas on oma olemuselt:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_9\" value=\"121\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType121\" class=\"answerTypeCnt9\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-121\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices121\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-121[]\" id=\"answer-id-488\" class=\"answer   answerof-121 \" value=\"488\"><label for=\"answer-id-488\" id=\"answer-label-488\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. riiklik pension<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-121[]\" id=\"answer-id-489\" class=\"answer   answerof-121 \" value=\"489\"><label for=\"answer-id-489\" id=\"answer-label-489\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. ametipension<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-121[]\" id=\"answer-id-490\" class=\"answer   answerof-121 \" value=\"490\"><label for=\"answer-id-490\" id=\"answer-label-490\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. vabatahtlik annuiteetpension<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-121[]\" id=\"answer-id-491\" class=\"answer   answerof-121 \" value=\"491\"><label for=\"answer-id-491\" id=\"answer-label-491\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Mitte \u00fcksi eeltoodud vastustest<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-10\" style=\";\"><div id=\"questionWrap-10\" class=\"  watupro-required-123 watupro-question-id-123\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>\"Elukindlustuse puhul:<\/strong><\/span><\/p><ul><li><span style=\"color: #000080;\"><strong>kindlustuse objektiks inimese elu.\"<\/strong><\/span><\/li><li><span style=\"color: #000080;\"><strong>fikseeritakse kindlustuslepingus kindlustusv\u00e4\u00e4rtus.\"<\/strong><\/span><\/li><\/ul><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_10\" value=\"123\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType123\" class=\"answerTypeCnt10\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-123\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices123\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-123[]\" id=\"answer-id-496\" class=\"answer   answerof-123 \" value=\"496\"><label for=\"answer-id-496\" id=\"answer-label-496\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. Ainult esimene v\u00e4ide on t\u00f5ene<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-123[]\" id=\"answer-id-497\" class=\"answer   answerof-123 \" value=\"497\"><label for=\"answer-id-497\" id=\"answer-label-497\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. Ainult teine v\u00e4ide on t\u00f5ene<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-123[]\" id=\"answer-id-498\" class=\"answer   answerof-123 \" value=\"498\"><label for=\"answer-id-498\" id=\"answer-label-498\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. M\u00f5lemad v\u00e4ited on t\u00f5esed<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-123[]\" id=\"answer-id-499\" class=\"answer   answerof-123 \" value=\"499\"><label for=\"answer-id-499\" id=\"answer-label-499\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Kumbki v\u00e4ide ei ole t\u00f5ene<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style=\"display:none\" id=\"question-11\">\n\t<div class=\"question-content\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\">\u00a0Loading...\t<\/div>\n<\/div>\n\n<br>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons13\">\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"Vaata tulemust\">\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"13\" id=\"watuPROExamID\">\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-04-16 08:50:36\">\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1776329436\">\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\">\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"125:504,505,506,507,508 | 122:492,493,494,495 | 129:522,523,524 | 127:514,515,516,517 | 128:518,519,520,521 | 130:525,526,527 | 124:500,501,502,503 | 126:509,510,511,512,513 | 121:488,489,490,491 | 123:496,497,498,499\">\n\t<input type=\"hidden\" name=\"no_ajax\" value=\"0\">\t\t\t<\/form>\n\t<p>\u00a0<\/p>\n<\/div>\n\n<script type=\"text\/javascript\">\n\/\/jQuery(document).ready(function(){\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \t\nvar question_ids = \"125,122,129,127,128,130,124,126,121,123\";\nWatuPROSettings[13] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 13;\t    \nWatuPRO.post_id = 49;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 1;\nWatuPRO.requiredIDs=\"0,125,122,129,127,128,130,124,126,121,123\".split(\",\");\nWatuPRO.hAppID = \"0.79532500 1776318636\";\nvar url = \"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/show_exam.php\";\nWatuPRO.examMode = 1;\nWatuPRO.siteURL=\"https:\/\/sisu.ut.ee\/finance\/wp-admin\/admin-ajax.php\";\nWatuPRO.emailIsNotRequired = 0;\nWatuPRO.perDecade = 10;\nWatuPROIntel.init(13);\nWatuPRO.inCategoryPages=1;});    \t \n<\/script>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-49","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages\/49","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/comments?post=49"}],"version-history":[{"count":0,"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/pages\/49\/revisions"}],"wp:attachment":[{"href":"https:\/\/sisu.ut.ee\/finance\/wp-json\/wp\/v2\/media?parent=49"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}