National Insurance Agent Practitioner Qualification Examination Paper

1. Multiple-choice questions

1. Among several concepts related to risk, the reason or condition that promotes a specific risk accident, or increases its possibility or expands its loss degree is called (). A, risk factor B, risk target C, risk nature D, risk behavior

2. According to risk theory, the characteristics of risk mainly include () and so on. A, uncertainty and objectivity b, certainty and subjectivity c, naturalness and particularity d, uncertainty and commodity

3. According to risk management theory, the object of risk management is (). A, risk B, product C, sales D, market

4. When an enterprise decides whether to adopt retention or transfer mode for its risk management, the factor that does not need to be considered is ().

A, the frequency of risk occurrence b, the size of risk loss c, the company's financial endurance d, and the specific time of risk occurrence

5. The main function of controlled risk management mode is ().

A, financial arrangements need to be made before the accident; b, economic difficulties caused by appointment can be relieved after the accident

C, losses can be reduced to a minimum after the accident; d, financial support can be provided for maintaining a normal life

6. In insurance activities, the insured pays the insurance premium in exchange for ().

A, the right of the insurer to provide economic security b, the obligation of the insurer to obtain economic security

C, the method of risk management provided by the insured d, and the service of economic security provided by the insured

7. From the perspective of insurance science, the basis for determining the insurance rate and withdrawing the insurance reserve is ().

A, the requirements of state management b, the average profit of society c, the accounting of economic benefits d, scientific mathematical calculation

8. The insurance that the state stipulates that a specific object must be insured by laws, decrees or regulations is called ().

A, commercial insurance b, voluntary insurance c, statutory insurance d, and general insurance

9. Within the insurance validity period, the scope of responsibility agreed in the insurance contract and the insurance amount, the basis for the loss compensation of the insured is ().

A, actual loss b, insured value c, insured amount d, and insured object

1. From the germination of risk management and insurance, the country that first invented the basic principle of risk diversification was ().

A, Britain b, Italy c, Egypt d, China

11. The agreement between the insurer and the insured on the insurance rights and obligations is ()

A, insurance amount b, insurance contract c, insurance period d, and insurance value.

12. When the insured and the insured are the same person, the parties to the insurance contract are ().

A, insurer, applicant and beneficiary b, insurer, insured and beneficiary

C, insurer, applicant and agent d, insurer, applicant and insured

13. Compared with the legal effect of insurance policy, the relationship between them is ().

A, the legal effect of the insurance certificate is less than that of the insurance policy; b, the legal effect of the insurance certificate is less than or equal to that of the insurance policy; c, the legal effect of the insurance certificate is greater than or equal to that of the insurance policy; d, the legal effect of the insurance certificate is equal to that of the insurance policy; p>14. The formal written certificate for concluding an insurance contract between the applicant and the insurer is ().

A, approval form b, insurance certificate c, temporary insurance policy d, insurance policy

15. Among the insurer's obligations, the insurer's most basic contractual obligation is ().

A, provide insurance consulting services b, provide insurance investment services c, provide insurance disaster prevention services d, undertake compensation or pay insurance money

16. Among the reasons for the termination of an insurance contract, termination due to total loss of the subject matter insured means ().

A, termination due to loss of non-insured subject matter caused by non-insured accident b, termination due to loss of non-insured subject matter caused by insured accident

C, termination due to loss of insured subject matter caused by non-insured accident d, termination due to loss of insured subject matter caused by non-insured accident

17.

A, insurer bears b, policyholder bears c, insured bears d, insurer and insured bear

18. The basic content of the principle of utmost good faith generally refers to ().

A, notification, guarantee, waiver and reasonable estoppel b, notification, guarantee, assertion and estoppel

C, notification, honesty, waiver and estelle d, notification, guarantee and waiver and estelle

19.

A, guarantee b, inform c, explain d, and state

2. Insurable interest is the premise of insurance contract. Someone wants to insure a newly purchased smuggled car with the insurance company for motor vehicle insurance, but the insurance company refuses to insure it. Then, the reason why the insurance company refuses to insure is that the insured's insurance interest in the subject matter insured is not ().

A, determined interest b, legal interest c, interested interest d, existing interest

21. In insurance practice, there are () contracts to which the principle of subrogation applies.

A, liability insurance contract b, term life insurance contract c, annuity insurance contract d, accident insurance contract

22. Entrustment is an important legal act and a compensation system. The type of insurance that the insured often carries out this behavior is ().

A, liability insurance b, fire insurance c, family property insurance d, marine insurance

23. The principle of proximate cause is a basic principle to judge the causal relationship between risk accidents and other insured losses and determine the liability for insurance compensation. The proximate cause here refers to ().

A, the most recent cause of loss b, the first cause of loss

C, the last cause of loss d, the most direct and effective cause of loss

24. For insurance sales personnel, the basic standard for qualified quasi-insurance acquisition is usually ().

A, insurance demand, ability to pay, compliance with underwriting standards, easy access to

B, acquaintance with sales personnel, ability to pay, compliance with underwriting standards, easy access to

C, desire to invest, ability to pay, compliance with underwriting standards, easy access to

D, fixed occupation, ability to pay, compliance with underwriting standards, and easiness.

A, the insurance contract is invalid; b, the insurance contract is terminated; c, the insurance contract is terminated; d, the effectiveness of the insurance contract is specific

26. The process that the insurer reviews the insurance application and makes a decision on whether to accept it or not and how to accept it is called ().

A, insurance development b, insurance exhibition industry c, insurance decision d, insurance underwriting

27. One of the sources of insurance underwriting information is ().

A, information obtained from actual survey; b, business correspondence letter of the applicant; d, insurance policy issued by the insurer; and insurance certificate issued by the insurer

28. The insurer's behavior of handling the claim made by the insured after a risk accident occurs in the subject matter insured is called ().

A, insurance claim b, insurance loss c, insurance underwriting d, insurance compensation

29. In the business operation of life insurance companies, after an insurance accident, the process of the insurer accepting the customer's report and claim application is called ().

A, report B, claim C, claim D, and accept the case

3. The insurer's insurance behavior of providing products information, quality assurance, performance of contractual obligations, customer preservation, dispute settlement and other services to customers through smooth and effective service channels and providing additional services based on customers' special needs and special concerns is called ().

A, insurance customer service b, insurance sales service c, insurance dispute handling d, insurance after-sales service

31. According to the provisions of China's insurance law, property insurance business includes ().

A, property loss insurance, liability insurance, accidental injury and health insurance

B, property loss insurance, guarantee insurance, accidental injury

C, property loss insurance, liability insurance, credit insurance

D, property loss insurance, liability insurance, health insurance

32. According to the provisions of the basic insurance clauses of enterprise property, there are cases that belong to fire liability.

A, burning contaminated clothes for epidemic prevention; b, high temperature causes the burnt fabric of the enterprise to deteriorate

C, an electrical appliance that has been used for too long causes itself to catch fire and damage itself

E, and an electrical appliance that has been used for too long causes itself to catch fire and damage its raw materials

33. According to the provisions of family property insurance in China, the responsibilities of family property insurance include () and so on.

A, the insurance property stored indoors suffers from external theft and robbery with obvious marks

B, the theft loss caused by the unattended storage place for more than seven days

C, the loss caused by stealing by outsiders, and the loss caused by the property of burglary insurance, the family member of the insured

34. In China, the way of underwriting the old motor vehicle insurance is ().

A, fixed insurance b, replacement value insurance c, fixed value insurance d, and fixed value insurance

35. As the goods change hands frequently in the process of transportation, the time limit for insurable benefits of cargo transportation insurance has certain particularity, namely ().

A, only the applicant at the time of insurance is required to have the insurance interest b, only the policyholder at the time of insurance

C, the whole insurance period is not required to have the insurance interest d, and the whole insurance period is required to have the insurance interest

36. The insurance liabilities of domestic comprehensive transportation cargo insurance include () and so on.

A, losses caused by poor packaging b, defects or natural wear and tear of the insured goods

C, losses caused by package breakage caused by collision d, losses caused by the insured's negligence

37. The subject matter of liability insurance is borne by the insured under the liability insurance contract according to law ().

a. Liability for damage caused by fault B. Liability for administrative infringement C. Liability for criminal infringement D. Liability for civil damage

38. Generally, the underwriting basis of professional liability insurance is ().

A, its internal occurrence formula b, its internal claim formula c, its expiration occurrence formula d, and its expiration claim formula

39. In terms of time, the commercial credit risk underwritten by general commercial credit insurance is ().

A, short-term commercial credit risk of 3-6 months, medium-term commercial credit risk of 1-2 years

C, long-term commercial credit risk of 2-7 years, and ultra-long-term commercial credit risk of more than 7 years

4. Property insurance covering economic losses caused by natural disasters and accidents in the production process of farming and aquaculture is called ().

A, agricultural insurance b, rural insurance c, farmers' insurance d, agriculture, countryside and farmers' insurance

41. Compared with all kinds of natural disasters and accidents in property insurance, the probability of risk accidents in personal insurance is characterized by ().

A, frequent fluctuation b, constant c, relatively stable d, and gradual increase

42. whole life insurance who pays the insurance premium in one lump sum is called ().

A, whole life insurance, B, whole life insurance, C, whole life insurance, D, whole life insurance, D. In life insurance, if the premium is collected in the form of natural premium, the comparative relationship between the old-age premium and the young-age premium is ().

A, the former is less than the latter B, the former is equal to the latter C, the former is greater than the latter D, and the former is equal to one third of the latter

44. During the defensible period of life insurance contract, the specific way for the insurer to exercise the right of defense is ().

A, claiming that the insurance contract is invalid or refusing to pay the insurance premium b, claiming that the insurance contract is valid but refusing to pay the insurance premium

C, claiming that the insurance contract is invalid but returning the cash value of the policy d, claiming that the insurance contract is invalid but returning the premium paid

45. In term life insurance contracts, it is usually stipulated that a certain period of time is the insurance validity period. If the insured still survives at the expiration of the insurance period, the status of the insurance contract is ().

A, the insurance contract will be terminated immediately; b, the insurance contract will be terminated immediately; c, the insurance contract will be terminated immediately; d, the insurance contract will disappear immediately

46. In the long-term life insurance, the applicant can make a written statement at the time of insurance application or before the grace period of insurance premium expires, and if the renewal premium is not paid after the grace period, the renewal premium will be paid automatically. The value used for automatic advance payment is ().

A, insurance amount b, premium amount c, cash value d, and insurable interest

47. For a life insurance contract whose validity is suspended, the first step of the procedure that the applicant must perform when he proposes to reinstate it is ().

A, apply for insurance B, apply for payment C, apply for change D, apply for reinstatement

48. In dividend insurance, the relevant departments such as the financial department of the insurance company calculate the amount that can be distributed as dividends every year, and the company decides the amount to be distributed based on business judgment. This decided amount is called ().

A, distributable profit b, distributable property c, distributable surplus d, distributable rights and interests

49. In investment-linked insurance, under agreed conditions, the policy holder can be freely converted between different funds, usually, ().

A, there is no need to pay extra expenses b, there is no need to pay extra expenses c, there is no need to go through any formalities d, and there is no need to take any risks

5. In the practice of life insurance, there is no need to provide physical examination or other types of insurance that can be guaranteed.

A, periodic death insurance b, lifelong death insurance c, group life insurance d, endowment assurance

51. In investment-linked insurance, the investment unit is a kind of () designed by the insurer for the convenience of calculating the value of the investment account.

A, investor b, investment form c, investment method d, unit of measurement

52. In modern life insurance, the premium form adopted by most life insurance types is ().

A, natural premium b, technical premium c, annual premium d, and balanced premium

53. Among the constituent elements of accidental injury, the objective fact that the harmful substance destructively contacts and acts on the insured body in a certain way is called ().

A, infringement fact b, infringement object c, infringement degree d, and harmful substance

54. Among the constituent elements of accidental injury, the object or substance that directly causes injury is called ().

A. Infringement B. Infringement object C. Infringement degree D. Harmful matter

55. Accidental injuries covered by special insurance are generally listed as exclusions in the insurance clauses. After the insured and the insurer have made a special agreement to underwrite the insurance, the insurer will endorse the special agreement or issue an approval form on the insurance policy, and this item will be excluded ().

A, eliminate B, confirm C, strengthen D, make it clear

56. In accident insurance, the requirement for judging whether it constitutes injury is ().

A, the harmful substance must be foreign b, harmful.