question 1: savings, like insurance, have the characteristics of solving future problems with present accumulation, but unlike insurance, savings belong to ()

A, mutual aid behavior

B, other-help behavior

C, self-help behavior

D, group behavior

question 2: in non-life insurance claims, One of the contents of the insurer's review of insurance liability is ()

A, whether the loss occurred in the place designated by the applicant

B, whether the loss occurred in the place specified in the policy

C, whether the loss occurred in the place designated by the insured

D, whether the loss occurred in the place designated by the agent

Question 3: The conditions that an individual must meet in engaging in insurance agency business are () and so on

. Obtain the Exhibition Certificate for Insurance Agents issued by the insurance company

B, the Qualification Certificate for Insurance Agents issued by the insurance company

C, the Exhibition Certificate for Insurance Agents issued by the China Insurance Regulatory Commission

D and the Qualification Certificate for Insurance Agents issued by the insurance industry association

Question 4: The parties to an insurance contract include (). Insurer and Insured

B, Insured and Beneficiary

C, Insurer and Insured

D, Insured and Beneficiary

Question 5: In the principles of interpretation of insurance contracts, The principles of interpretation that must respect the true intentions of both parties at the time of contracting are ()

A, annotation interpretation principle

B, literal interpretation principle

C, intention interpretation principle

D and supplementary interpretation principle

Question 6: The sales methods of insurance companies obtaining business through intermediary channels are called ()

A and direct sales

B. Indirect sales

Question 7: Company A owes Company B 1 million yuan in payment for goods, and then Company A is merged by Company B, and the debt owed by Company A to Company B disappears. The elimination of this debt is called ()

A, confusion of debt

B, offset of debt

C, cancellation of debt

D and cancellation of debt

. Changing the insurance terms and rates approved or filed by the insurance supervision and administration department without authorization will be regarded as ()

A, differential competition behavior

B, malicious competition behavior

C, unfair competition behavior

D, and dominant competition behavior

Question 9: If an insurance company entrusts an insurance agency or an insurance agency branch to sell new life insurance products, it shall insure the new life insurance products. According to the Regulations on the Administration of Insurance Agencies, The training time for business personnel before sales is ()

A, not less than 12 hours

B, not less than 36 hours

C, not less than 6 hours

D, not less than 8 hours

Question 1: The most important evidence and basis for insurance parties to enjoy rights and assume obligations is ()

a.

question 11: the basic content of utmost good faith generally refers to ()

A, notification, guarantee, waiver and reasonable estoppel

B, notification, guarantee, assertion and estoppel

C, notification, good faith, waiver and estelle

D, notification, guarantee and waiver and estelle

No.11. The professional ethics of insurance agents are ()

A, the professional quality of insurance agents

B, the professional spirit of insurance agents

C, the concrete embodiment of ideology and morality in the professional life of insurance agents

D, the concrete embodiment of social morality in the professional life of insurance agents

Question 13: One of the ways for life insurance companies to deal with agents whose policies are ineffective is (). Investigate its administrative responsibility

B, investigate its civil responsibility

C, investigate its criminal responsibility

D, and terminate its agency behavior

Question 14: Insurance agency employees abide by the law and regulations in their practice activities as follows: ()

A. Take the Constitution of the People's Republic of China as the code of conduct and abide by relevant laws and administrative regulations. Abide by social morality

B, abide by the Insurance Law of the People's Republic of China, abide by relevant laws and administrative regulations, abide by social morality

C, abide by the General Principles of the People's Republic of China and the Civil Law, abide by relevant laws and administrative regulations, abide by social morality

D, abide by the Insurance Law of the People's Republic of China. Abide by social ethics

Question 15: When insurance agents contact customers, The documents presented voluntarily are ()

A, ID card

B, Insurance Agency Business License

C, Insurance Agency Business License

D, Insurance Agency Practitioner Exhibition Certificate or Insurance Agency Practitioner Practice Certificate

Question 16: The economic value of the insured's insurance benefits to the subject matter of insurance must be measurable in money. This requirement shows that the insurance benefits should be ()

A, legal benefits

B, determined benefits

C, economic benefits

D, and interests of stakeholders

Question 17: Specialized insurance sales process usually includes four links. The first steps are ()

A, answering questions

B, developing prospective policyholders

C, investigating and confirming the insurance needs of prospective policyholders

D, designing and introducing insurance schemes

Question 18: For life insurance contracts insured for the first time, The starting point for the calculation of the defensible period is ()

A,

B when the contract is concluded,

C when the accident occurs,

D when the notice is violated, and

19: After the insured is insured, if the insurer reveals the property and family status of the insured and causes economic losses to the insured, the insured has the right to demand compensation from the insurer. The reasons are ()

A, the insurer has not fulfilled the obligation to sign the bill in time

B, the insurer has the obligation to keep confidential for the insured

C, the insured has the right to claim compensation from the insurer

D, and the insured has the right to claim compensation from the insurer

Question 2: According to the classification of the subject matter of risk, Risks can be divided into ()

A, natural risks, social risks, political risks, economic risks and technical risks

B, property risks, personal risks, liability risks, and credit risks

C, pure risks and speculative risks

D, static risks and dynamic risks

Question 21: In marine insurance practice, the applicant or the insured?

this guarantee belongs to ()

A, confirmation guarantee

B, commitment guarantee

C, express guarantee

Question 22: In the preservation of life insurance contracts, services provided for customers' premium prepayment, premium exemption, premium offset, insurance contract validity recovery, etc. The specific work involved in life insurance contract preservation belongs to ()

A, exercise of contract rights

B, transfer of insurance relationship

C, change of contract content

D, renewal fee

Question 23: When the insured objects are geographically adjacent and inseparable, The methods that insurers usually adopt to divide risk units are ()

A, by lot

B, by subject matter

C, by accident time

D, by insured unit

Question 24: One of the guarantees provided by income security insurance is ()

A, the insured's reasons. Income loss of the insured disabled by drug abuse

C, income loss of the insured disabled by war

D, income loss of the insured disabled by illness

Question 25: The Insurance Agency Practitioner Qualification Certificate obtained by the insurance agency practitioners before their practice means that they have obtained ()

A, insurance practice qualification

B and insurance exhibition industry qualification < Basic qualification of insurance industry

Question 26: According to risk management theory, risk management techniques are divided into two categories, namely ()

A, control and financial risk management techniques

B, perception and analysis risk management techniques

C, control and analysis risk management techniques

D, perception and financial risk management techniques

No.2. Insurance with death or disability caused by accidental injury as the condition of payment of insurance benefits is called ()

A, personal accident insurance

B, loss of work stoppage income insurance

C, industrial injury insurance

D and personal insurance

Question 28: The subject matter of product quality assurance insurance is ()

A, product liability

B and product quality breach. Liability for product quality negligence

Question 29: As an important part of insurance company's business operation, the principles that should be followed include ()

A, respecting contracts, keeping promises

B, maximizing company profits

C, maximizing social welfare

D, and maximizing customers' interests

Question 3: The objectives of risk management are different. The goal of maintaining the continuity of enterprise operation belongs to ()

A, the goal before loss of risk management

B, the goal after loss of risk management

C, the financial goal of risk management

D, and the technical goal of risk management

Title 31: "Any cargo thrown into the sea due to reducing the ship's load, if lost for the benefit of all, must be returned by all" In insurance theory, it is called ()

A, * * * general average allocation principle

B, * * general average allocation principle

C, * * general average reinsurance principle

D, * * general average reinsurance principle

Question 32: Among the reasons for the termination of various insurance contracts, The meaning of termination of an insurance contract due to performance is ()

A, the applicant has fulfilled all the obligation to pay the insurance premium and the contract is terminated

B, the insurer has fulfilled the insurance right and the contract is terminated

C, the insurance contract is terminated due to the expiration of the term

D, and the insurer has fulfilled all the obligation to compensate or pay the insurance amount and the contract is terminated

Question 33: In risk management theory, The decision-making process used by an organization or individual to reduce the negative results of risks is called ()

A, risk evaluation

B, risk estimation

C, risk management

D, insurance

Question 34: When the insurer determines the health insurance rate, One of the main factors that should be considered is ()

A, mortality

B, interest rate

C, expense rate

D, and disease rate

Question 35: In order to ensure that the insurer fulfills its insurance compensation or payment obligations as promised, A certain number of funds drawn from premium income or surplus are called ()

A, premium

B, insurance amount

C, insurance reserve

D, and contingency reserve

Question 36: When the property of the insured enterprise is lost due to the behavior of a third party, The responsibilities that the third party should bear are ()

A, insurance liability

B, criminal liability

C, civil liability

D, administrative punishment liability

Question 37: The principle of proximate cause is a basic principle to judge the causal relationship between the risk accident and the loss of the insured subject matter and determine the insurance liability. 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

Question 38: In insurance practice, The suitable contract forms for special insurance objects such as antiques, calligraphy and painting are ()

A, fixed insurance contract

B, fixed insurance contract

C, fixed insurance contract

D, special insurance contract

Question 39: When the insured of a certain term death insurance dies, the insurer finds that the insured age is younger than the actual age (assuming that the cause of death of the insured belongs to insurance) Then the insurer's correct handling methods are ()

A, increasing the insurance payment

B, reducing the insurance payment

C, returning the overpaid insurance premium

D, and collecting the underpaid insurance premium

Question 4: In insurance practice, losses are usually divided into two forms. They are ()

A, material loss and mental loss

B, direct loss and indirect loss

C, property loss and personal loss

D, liability loss and income loss

Question 41: According to the relevant laws, regulations and judicial interpretations of our country, if the intention of the parties who signed the insurance contract is untrue, Will lead to the insurance contract ()

A, change

B, invalid

C, dissolution

D, termination

Question 42: Those who pass the basic qualification examination for insurance agents, have full capacity for civil conduct and have good conduct will be issued the Basic Qualification Certificate for Insurance Agents by the China Insurance Regulatory Commission, but they will be subject to administrative punishment for dishonest acts such as fraud. Its specific years are ()

A, 1 year

B, 2 years

C, 3 years

D and 5 years

Question 43: When an insurance agency is established according to the Regulations on the Administration of Insurance Agencies, the requirement for its "number of employees holding the Qualification Certificate of Insurance Agency Practitioners" is (). The number of employees holding the Qualification Certificate for Insurance Agents shall not be less than half of the total number of employees

B, the number of employees in insurance agencies shall be more than 2, and the number of employees holding the Qualification Certificate for Insurance Agents shall not be less than 2

C, and the number of employees holding the Qualification Certificate for Insurance Agents shall not be less than 2. It shall not be less than the total number of employees

D, and the number of employees holding the Qualification Certificate for Insurance Agents shall be more than 2, and it shall not be less than half of the total number of employees

Question 44: According to the General Principles of Civil Law of China, The time when the legal person's capacity for civil rights and capacity for civil conduct disappears is ()

A, when the legal person's office changes

B, when the legal person's business operation suffers losses

C, when the legal person's representative changes

D, when the legal person terminates

Question 45: The subject matter of life insurance is ()

A, and the person's body

.