保险学期末A卷教学内容

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

6.Which of the following is a fundamental purpose of the principle of indemnity?

A) to reduce moral hazard

B) to minimize physical hazards

C) to settle property insurance losses on a replacement cost basis

D) to require deductibles in all property insurance policies

7.Which of the following statements about "open-perils" coverage is (are) true?

I. All losses are covered except those losses specifically excluded.

II.The burden of proof is on the insured to prove that a loss is covered.

A) I only

B) II only

C) both I and II

D) neither I nor II

8.3) Which of the following pieces of information is needed to calculate a person's

human life value?

A) the marital status of the person.

B) the person's estimated annual Social Security benefits after retirement.

C) the person's cost of self-maintenance.

D) current outstanding debts, including mortgage debt.

9.All of the following are elements of negligence EXCEPT

A) the ability to pay damages.

B) the failure to perform a legal duty to use reasonable care.

C) damages or injuries to a claimant.

D) proximate cause between the negligent act and the injury or harm that occurs.

10. Which of the following statements about the building and personal property

coverage form is (are) true?

I. A limited amount of coverage is provided for pollutant cleanup and removal at the

described premises if the release or discharge of the pollutant results from a covered