保险学期末A卷

上海外国语大学贤达经济人文学院2014～2015学年第一学期《风险管理和保险原理》课程期末考试试卷（A 卷）

考试时间：90 分钟考试形式：闭卷

专业班级：姓名：学号：

Captive insurer Unearned premium reserve Twisting

Subrogation Universal life insurance res ipsa loquitur

二. 判断题（2分*10题，共20分）

选择题答案填写在下表答题区内，否则不得分。

1.Lloyd's of London allows underwriters to write coverage without

meeting stringent financial requirements.

2.The function of an actuary is to adjust claims.

3.The right of the states to regulate the business of insurance was first

established by

Paul v. Virginia.

4. A total loss under a valued policy is settled on the basis of the market

value of the loss.

5.The deductible used for automobile collision losses is an example of a

calendar year deductible.

6.Most policies can be renewed for additional periods without evidence

of insurability.

7.murder is an intentional tort?

8.Damages awarded for losses that can be determined or measured are

special damages.

9.Builders risk coverage form is used to insure buildings that are under

construction.

10.Reimbursement for spoilage of frozen food caused by failure of a

refrigeration unit at a frozen foods processor can be covered under extra expense insurance.

三．单选题（2分*10题，共20分）

选择题答案填写在下表答题区内，否则不得分。

1.Advantages of the direct response system for marketing life insurance

include which of the following?

I. Advertising can be specifically directed to selected markets.

II. Complex products can be easily sold.

A) I only

B) II only

C) both I and II

D) neither I nor II

2.Which of the following statements about underwriting policy is (are)

true?

I. A company must establish an underwriting policy consistent with

company objectives.

II. Underwriting policy is usually subjective and allows the underwriter considerable flexibility with respect to lines written and forms used.

A) I only

B) II only

C) both I and II

D) neither I nor II

3. Which of the following would not appear in the asset section of an insurance company's balance sheet?

A) loss reserves

B) bonds

C) common stock

D) real estate

4.Reasons for the unearned premium reserve include which of the

following?

I.To pay losses that occur during the policy period.

II.To pay premium refunds to policyholders in the event of cancellation.

A) I only

B) II only

C) both I and II

D) neither I nor II

5.Which of the following statements about the use of risk-based capital

requirements is (are) true?

I. Insurers must have a certain amount of capital depending on the

riskiness of their investments and insurance operations.

II. Insurers may be required to take certain actions depending on how much capital they have relative to their risk-based capital requirements.

A) I only

B) II only

C) both I and II

D) neither I nor II