保险学期末A卷.pdf
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1、精品 可编辑修改 上海外国语大学贤达经济人文学院 20142015 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:题号 一 二 三 四 五 六 总得分 阅卷人 核分人 得分 一.名词解释(5 分*6 题,共 30 分)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。题号 1
2、2 3 4 5 6 7 8 9 10 得分 答题区 1.Lloyds 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 得分 精品 可编辑修改 established by Paul v.Virginia.4.
3、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 intention
4、al 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
5、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。题号 1 2 3 4 5 6 7 8 9 10 得分 答题区 1.Advantages of the direct response system for marketing life insurance 精品 可编辑修改 include which of the following?I.Advertising can be specifically directed to selected markets.II.Complex pro
6、ducts 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 un
7、derwriter 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 companys balance sheet?A)loss reserves B)bonds 精品 可编辑修改 C)common stock D)real estate 4.
8、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
9、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 re
10、quirements.A)I only B)II only C)both I and II D)neither I nor II 精品 可编辑修改 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
11、 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 no
12、r II 8.3)Which of the following pieces of information is needed to calculate a persons human life value?A)the marital status of the person.B)the persons estimated annual Social Security benefits after retirement.C)the persons cost of self-maintenance.D)current outstanding debts,including mortgage de
13、bt.精品 可编辑修改 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
14、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 cause of loss.II.Fire department service charges ar
15、e specifically excluded because they are a normal cost of doing business.A)I only B)II only C)both I and II D)neither I nor II 四案例分析题(15*2 题,共 30 分)1.Mike took his friend,Donna,out to dinner on her birthday.While driving Donna home,Mike became ill and asked Donna to drive.得分 精品 可编辑修改 While driving M
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