A. the risk must be speculative.

B. The risk must be certain.

C. risks inevitably make a large number of targets likely to suffer losses.

D. this kind of risk will definitely cause great losses.

2. Insurance elements are the basic conditions for insurance economic activities. One of the elements of insurance is ()

A. the existence of speculative risk

B. Aggregation and dispersion of a large number of heterogeneous risks

C. Uncertainty of insurance rates

D. Establishment of insurance funds

3. Someone buys an endowment insurance with an insurance amount of 654.38+10,000 yuan from an insurance company. According to the principle of insurance, insurance belongs to ().

A. fixed value insurance

B. Fixed insurance

C. loss insurance

D.*** Same as insurance.

4. In social and economic activities, the main form of credit distribution is ().

A. Insurance credit allocation and financial credit allocation

B. Bank credit allocation and insurance credit allocation

C. Bank credit allocation and financial credit allocation

D. Bank credit allocation, insurance allocation and financial credit allocation

5. Among all kinds of insurance contracts, the contract with changeable majority of people or things as the subject matter of insurance is called ().

A. blanket insurance contract

B. Collective insurance contracts

C. Duplicate insurance contracts

D. comprehensive risk insurance contract

6. In the life insurance contract, when the insured insures for the benefit of others, the clause that usually determines the beneficiary is ().

The beneficiary is the person designated by the insured in the insurance contract.

The beneficiary is the person designated by the insurer in the insurance contract.

The beneficiary is the person designated by the agent in the insurance contract.

The beneficiary is the person designated by the insured in the insurance contract.

7. In a property insurance contract, the monetary valuation of the insured's insurable interest in the subject matter insured is called ().

A. Insurable interest

B. Insurance amount

C. Insurance liability

D. Insurable value

8. Judging from the drafting of the terms, the contents of the insurance contract include ().

A. Subject and object

B. themes and statements

C. Objects and statements

D. Basic clauses and special clauses

9. In life insurance, the review/death insurance contract without the consent and approval of the insured belongs to ().

A. An agreed invalid contract

B. Legally invalid contracts

C. Partially invalid contracts

D. Natural failure contract

10. Zhangjiang insured a one-year family property insurance of RMB 65,438+10,000. During the insurance period, a fire happened unfortunately, and all the insured property was burnt down. After the insurer compensated RMB 65,438+10,000, the policy was terminated, so the reason for the termination was ().

A. termination due to expiration of time limit

B. Termination of the agreement

C. termination due to performance of obligations

D. Termination due to dissolution