1. Speculative risk is one of the basic forms of risk, including ().
A: Fire risk faced by the owner B: Collision risk faced by the owner
C: the trading risk of investors in the market D: the risk of patients receiving surgical treatment in the hospital
2. According to the classification of behaviors that generate risks, risks can be divided into ().
A: Basic risks and specific risks B: Property risks, personal risks, liability risks and credit risks.
C: pure risk and speculative risk D: static risk and dynamic risk
3. In risk management, one of the bases and methods for evaluating the benefit of risk management is ().
A: Does risk management achieve maximum security at the lowest cost? B: Is risk management consistent with the overall management objectives? C: Is there an effective insurance method for risk management? D: Are there sufficient funds for risk management?
4. In the insurance theory and practice, the dangerous unit refers to ().
A: the scope of possible losses of the subject matter insured by the risk accident B: the amount of possible losses caused by the risk accident C: the subject matter insured by the insurance company D: the risk measurement method.
5. In the theory of risk management, the decision-making process used by organizations or individuals to reduce the negative results of risks is called
A: risk assessment B: risk assessment C: risk management D: insurance
6. From a legal point of view, the form of insurance relationship between the two parties is ().
A: insurance amount b: insurance contract c: insurance period d: insurance subject matter
7. The economic relationship of insurance commodities is directly manifested as ().
A: The exchange relationship between all insurance companies and all brokers.
B: The exchange relationship between all insurance companies and individual policyholders.
C: Exchange relationship between individual insurers and individual policyholders.
D: Exchange relationship between individual insurance companies and all policy holders.
8. Under the principle of voluntariness, the insurance in which the insured and the insurer establish an insurance relationship by signing an insurance contract is called: A: social insurance B: statutory insurance C: voluntary insurance D: national insurance.
9. The possibility of insurance companies using funds mainly lies in ().
A: Insurance companies have accumulated some funds. B: It meets the requirements of insurance regulatory agencies.
C: Safeguarding the interests of the insured D: There is a time lag between the collection and payment of insurance premiums.
10. Among all kinds of insurance, () has the earliest origin and the longest history.
A: Family property insurance B: Fire insurance C: Life insurance D: Marine insurance.
1 1. The object of direct guarantee of reinsurance contract is ().
A: the insured of the original insurance contract B: the insurer of the original insurance contract.
C: Insurer of reinsurance contract D: Subject matter of original insurance contract.
12. In the insurance contract, the maximum amount of the insurer's liability for compensation or payment of insurance benefits is called ().
A: insured value b: actual loss c: compensation limit d: insured amount
13. According to the relevant laws, regulations and judicial interpretations in China, if the contents of the signed insurance contract are illegal, it will lead to the insurance contract.
A: change B: invalid C: dissolution D: termination
14. Compared with the legal effect of insurance documents, the relationship between them is ().
Answer: The legal effect of insurance certificate is less than that of 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 an insurance certificate is equivalent to that of an insurance policy.
15. According to the provisions of China's insurance law, the principle that the insured should follow when fulfilling the obligation of telling the truth is ().
A: unlimited notice principle B: partial notice principle C: full notice principle D: inquiry notice principle
16. According to the provisions of China's insurance law, after the insurance liability begins, the insurance contract that the parties to the contract may not terminate is ().
A: Personal insurance contract B: Insurance contract with ancient calligraphy and painting as the subject matter.
C: voyage insurance contract of means of transport D: liability insurance contract
17. among the principles of interpretation of insurance contracts, the principle of interpretation according to the literal meaning of insurance clauses and the context is called
A: the principle of intention interpretation B: the principle of supplementary interpretation C: the principle of literal interpretation D: the principle that annotations are superior to the original.
18. According to the provisions of China's Insurance Law, the effective condition of the insurer's exemption clause agreed in the insurance contract is ().
A: The insurance company will inform the insured of this clause when an accident occurs. B: The insurer clearly explained this clause to the applicant when signing the insurance contract. C: This clause is clearly stated in the insurance contract. D: This clause should be approved by the regulatory authorities.
19. In marine insurance, if the insurer does not propose to terminate the insurance contract knowing that the insured ship has changed course, the insurer's behavior belongs to (). A: Confirmed guarantee B: Promised guarantee C: Implied guarantee D: Waiver.
20. In some cases, insurable interest in life insurance can also be calculated and limited. This situation mainly refers to ().
A: the life of creditors to debtors B: the life of employers to employees C: the life of children to parents
2 1. According to the provisions of China's insurance law, the allocation method for double insurance is ().
A: proportional responsibility system B: quota responsibility system C: sequential responsibility system D: primary responsibility system
22. After the insurer accepts the abandonment proposed by the insured and pays in full according to the insured amount, the right to the subject matter insured according to law is (). A: custody right b: use right c: ownership d: possession right
23. The principle of insurance proximate cause is a basic principle for determining insurance liability, and the relationship judged by the principle of proximate cause is ().
A: the insurance relationship between the insurer and the insured B: the causal relationship between the insurer and the loss of the subject matter insured.
C: Causality between the insured and the loss D: Causality between the risk accident and the loss of the subject matter insured.
24. Known as the "fourth media", it will become an insurance sales tool with no time zone and no boundary in the 2 1 century.
A: telephone b: newspaper c: network d: magazine
25. In insurance sales, it is a shortcut for prospective policyholders to make use of existing relationships, such as relatives, friends, working relationships and business relationships, and start selling from acquaintances. This method is called ().
A: Strange visit B: Chain introduction C: Development reasons D: Telephone contact
26. Checking the insured's past accident records is one of the elements of property insurance underwriting. The insurer can generally see the insured's management of the insured property from the accident records of the insured in the past period of time. When the insurer looks at the accident records, it usually chooses the time period (). A: One to two years B: Two to three years C: Three to five years.
27. In life insurance, underwriting elements can generally be divided into ().
A: Factors affecting mortality and factors not affecting mortality B: Factors affecting accidental injury and factors not affecting accidental injury C: Business factors and financial factors D: Physical factors and financial factors.
28. In non-life insurance claims, after an insurance accident, the insured or beneficiary will inform the insurer of the time, place, reason and other related information of the accident in the fastest way, and the link of making claims is usually called ().
A: Notice of loss reporting B: Notice of nuclear loss C: Report acceptance D: Loss investigation
29. In property insurance, when the damaged property has a certain residual value, if the insurer compensates part of the loss, the treatment of the damaged property is ().
Answer: Discount the damaged property to the insured to offset the compensation amount. B: Divide the proceeds from the auction of damaged property equally between the insurer and the insured. C: The residual value of the lost property belongs to the insurance company. D: Deduct the residual value from the compensation amount.
30. In customer service, property insurance companies should collect medium and long-term meteorological, disaster forecast and real-time weather forecast information at the request of customers, and the service content of assisting customers to do disaster prevention work belongs to ().
A: Key Services B: Special Services C: Pre-sales Services D: After-sales Services
3 1. In general, the limiting condition for the existence of insurable interests in property insurance is ().
Answer: It only exists when the insurance contract is concluded. B: It only exists when the insurance contract is sold.
C: It exists in the whole process from the sale of the insurance contract to the receipt of the insured.
D: It exists in the whole process from the conclusion of the insurance contract to the occurrence of the loss.
32. The subject matter of enterprise insurance is damaged. According to the provisions of the basic insurance clauses of enterprise property insurance in China, the insurer shall be responsible for the loss.
A: The subject matter insured is bitten by insects B: The subject matter insured is naturally worn C: The subject matter insured is naturally on fire D: The subject matter insured is struck by lightning.
33. Domestic freight insurance rates include ()
A: Basic premium rate and additional premium rate B: Basic premium rate and comprehensive premium rate.
C: FPA rate, general additional risk rate and special additional risk rate D: FPA rate and general additional risk rate.
34. Someone insured his car with basic motor vehicle insurance. During the insurance period, the insured vehicle crashed into a tree due to unclear vision during the rainstorm, resulting in medical expenses, goods and vehicle losses. The insurance company shall compensate:
A: Loss of vehicles B: Loss of goods and vehicles C: Medical expenses of people on board and loss of vehicles.
D: Medical expenses for the personnel and cargo on board.
35. A company insured domestic transportation goods at the price, with an insurance amount of 6,543,800 yuan. An insurance accident occurred during the insurance period, resulting in a loss of 800,000 yuan of goods and a compensation of 300,000 yuan for rescue expenses. The amount that the insurance company should compensate is ().
A: 300,000 yuan B: 800,000 yuan C: 1 10,000 yuan D:1/10,000 yuan.
36. Formally, the risks covered by cargo transportation insurance include ().
A: There are risks in property and interests, as well as risks in liability.
B: There are marine insurance, land insurance and air insurance.
C: There are both objective risks caused by natural disasters and accidents and subjective risks caused by external reasons.
D: There are both static risks and flowing risks.
38. According to the types of civil liability, the subject of public liability insurance belongs to ().
A: Employer's guarantee insurance B: Employer's liability insurance C: Employer's compensation insurance D: Employer's statutory insurance
39. The insurance with the employer's employer's liability as the insurance risk is called ().
A: Manufacturing contract for machine building B: Sales contract for product sales.
C: Construction Project Contract D: Technology Transfer Contract
40. The general contract guarantee insurance is mainly aimed at the contract ().
A: natural disasters B: accidents C: disease deaths D: human factors
4 1. Aquaculture has great flexibility in using natural forces. Compared with farming, the biggest insurable risk threatening aquaculture is
A: the relationship between people B: the relationship between people and things C: the relationship between people and rights D: the relationship between people and responsibilities
42. As far as the insurance benefits are concerned, the insurance benefits of life insurance come from ().
A: greater than zero B: equal to zero C: greater than cash value D: equal to cash value
43. According to the Actuarial Provisions of Individual Universal Insurance of China Insurance Regulatory Commission, within the validity period of universal insurance contract, the risk insurance amount is
A: The cash value of the policy has increased compared with that before the advance payment. B: The cash value of the policy is lower than that before the advance payment.
C: The cash value of the policy is as much as before the advance payment. D: The cash value of the policy is incomparable with that before the advance payment.
45. In a long-term life insurance contract with automatic premium payment, after two automatic premium payments, the change in cash value of the policy is ().
A: Pay the insurance premium agreed by the beneficiary B: Pay the insurance premium agreed by the insured.
C: Refund the surrender premium agreed by the beneficiary D: Pay the surrender premium agreed by the insured.
46. In our country, the grace period of life insurance contract is ().
A: Matching with the assets of a separate investment account B: Matching with the liabilities of a separate investment account.
C: Matching the income of personal investment account D: Matching the surplus of personal investment account.
47. In term life insurance contracts, a certain period of time is usually stipulated as the effective period of insurance. If the insured dies within the agreed period, the insurer shall bear the insurance liability ().
A: Preventing moral hazard B: Ensuring fair and reasonable results C: Eliminating adverse selection D: Simplifying underwriting claims procedures
48. There is generally no minimum guarantee for the policy cash value of investment-linked insurance products, and the amount is ().
A: The policy price is lower B: The policy price is higher C: The insurance amount is lower D: The insurance amount is higher.
49. In group life insurance, the insured amount is usually set according to a unified standard, and neither the employer nor the employee has the right to increase or decrease. Its main purpose is ().
A: Eliminate the influence of adverse selection factors B: Prevent the influence of moral hazard factors
C: Ensure the quality of the subject matter of insurance D: Guide sub-healthy people to insure reasonably.
50. In dividend insurance, the insurer's estimation of actuarial assumptions is conservative when pricing, and the direct result is ().
A: Cash value as wholesale premium B: Cash value as installment premium.
C: Take the risk insurance premium as one-time insurance premium D: Pay the insurance premium to the risk insurer for a period of time.
5 1. In the risk selection and control of group life insurance, it is generally required that the insured of the insured group must be on-the-job personnel who can participate in normal work. Its direct purpose is ().
A: It is used to pay surrender or survival insurance B: It is used to pay surrender or death insurance.
C: used to pay surrender or survival insurance D: used to pay surrender or death insurance.
52. In long-term life insurance, the nature of payment reflected by the policy holder changing the original policy payment policy is ().
A: Replace the new premium and recalculate B: Recalculate the old premium.
C: Recalculate with historical premiums D: Recalculate with peer premiums.
55. In personal accident insurance, one of the necessary conditions of personal accident insurance's insurance liability is that the accidental injury is the death or disability of the insured ().
A: indirect cause or proximate cause B: direct cause or proximate cause C: subjective cause or proximate cause D: objective cause or proximate cause
56. Life insurance with accidental injury leading to death or disability as the condition of paying insurance benefits is called ().
A: industrial injury insurance B: income loss insurance C: sickness insurance D: personal accident insurance
57. In ordinary life insurance, the life insurance in which the insured dies during the insurance period or survives at the expiration of the insurance period, and the insurer pays the insurance premium per capita is called ().
A: Old-age security B: Survival insurance C: Life insurance D: Term insurance.
58. In personal accident insurance, when the insured suffers multiple accidental injuries during the insurance period, the insurer's compensation limit for each accidental injury leading to death is ().
A: limitation of injury and disability procedure B: limitation of insurance amount C: limitation of insurance interest D: limitation of insurance liability.
59. The insurer provides lifelong protection for the insured's critical illness insurance is called ().
A: Fixed critical illness insurance B: Lifelong critical illness insurance C: Limited critical illness insurance D: Regular critical illness insurance.
60. In some cases, it is difficult to determine whether the insured is disabled due to illness or accidental injury in a short period of time. Therefore, insurance companies often stipulate a disability period in insurance clauses (such as 180 days). If the insured's disability shows no obvious signs of improvement at the expiration of the fixed disability period, it will be automatically recognized as total disability. This kind of total disability is called ().
A: Presumption of total disability B: Absolute total disability C: Enumeration of total disability D: Total disability in the original occupation
6 1. In health insurance, the insurer's specific liability for compensation or payment is ().
Answer: The expenses or losses incurred by the insured due to illness or accidental injury.
B: Expenses or losses incurred by the beneficiary due to illness or accidental injury.
C: Expenses or losses incurred by the insured due to illness or accidental injury.
D: Expenses or losses incurred by the insured due to illness or accidental injury in old age.
62. Critical illness insurance can be divided into early payment, additional payment, independent main insurance, proportional payment and repurchase option. The basis of this classification is ().
A: insurance period b: payment form c: benefit result d: insurance amount
63. Due to the negligence, negligence and other behaviors of the insurance broker, losses are caused to the insurer or the applicant, and the civil liability bearer is (). A: Insurer B: Insured C: Insurance broker D: Insured.
65. According to China's Regulations on the Administration of Insurance Agencies, an insurance agency shall, after the end of each fiscal year, engage an accounting firm to audit its finances, legality and compliance, and submit the audit report, balance sheet, income statement and other financial statements to the China Insurance Regulatory Commission within the specified time. The specific submission time is ().
A: Within 3 months, B: 1 month, C: 15 days, D: 10 days.
66. According to China's "Regulations on the Administration of Insurance Agencies", to apply for the establishment of an insurance agency, a feasibility report shall be submitted to the China Insurance Regulatory Commission, including ().
A: Business development plan for the last two years B: Business development plan for the last three years
C: Business development plan for the last five years D: Business development plan for the last eight years.
67. According to China's Regulations on the Administration of Insurance Agencies, it is necessary to obtain a certain number of letters of intent from insurance companies to set up insurance agencies. The stipulated minimum number of insurance companies is (A: 1).
68. The formation of professional ethics is based on ()
A: specific class morality B: specific professional practice C: general social morality D: universal moral standards
69. The four principles of customer first, diligence, fair competition and confidentiality are regarded as ().
A: The extension and development of the principle of abiding by laws and regulations in professional ethics practice.
B: The extension and development of the principle of good faith in the practice of professional ethics.
Extension and development of the principle of friendly cooperation in professional ethics practice
The extension and development of the principle of professional ability in the practice of professional ethics
70. The rules formulated by the insurance industry self-regulatory organizations to regulate the behavior of agency members have the following effects on the behavior of insurance agents: A: indirect constraint B: direct constraint C: unlimited constraint D: temporary constraint.
7 1. The insurance salesman's agency authority comes from ()
A: Qualification certificate issued by China CIRC B: Insurance agency business license issued by China CIRC.
C: Certificate of participation issued by insurance company D: Written agency contract signed with insurance company.
72. In the process of insurance agency practice, the person who performs the obligation to truthfully explain is ().
A: Insurance company B: Insurance agency C: Insurance agent D: Insurance insurer.
73. The customer information that should be kept confidential to the affiliated institutions in the practice activities of insurance agents refers to ().
A: Information unrelated to insurance B: Information related to insurance C: The customer's past medical history when purchasing health insurance.
D: The customer's occupation when purchasing accident insurance.
According to the provisions of China's Anti-Unfair Competition Law, business operators are allowed to adopt the following methods when selling goods.
A: tying goods against the buyer's will B: secretly giving kickbacks to the other unit or individual outside the account.
C: Give the other party an express discount. D: Put brand-name marks on the goods sold without authorization.
75. According to the provisions of China's Anti-Unfair Competition Law, operators who forge or fraudulently use certification marks and make misleading false representations about the quality of goods will be punished accordingly. The punishment basis is ().
A: The provisions of the Trademark Law of People's Republic of China (PRC) and the Contract Law of People's Republic of China (PRC).
B: The provisions of General Principles of Civil Law of People's Republic of China (PRC) and Product Quality Law of People's Republic of China (PRC).
C: Provisions of People's Republic of China (PRC) Economic Law and People's Republic of China (PRC) Product Quality Law.
D: The provisions of Trademark Law of People's Republic of China (PRC) and Product Quality Law of People's Republic of China (PRC).
76. According to China's Law on the Protection of Consumer Rights and Interests, if an advertising operator publishes false advertisements and damages the legitimate rights and interests of consumers, and the advertising operator cannot provide the real name and address of the operator, the person liable for compensation shall be.
A: Operators of goods or services B: Administration for Industry and Commerce C: Consumers Association D: Operators of advertisements.
77. According to the provisions of China's Consumer Protection Law, consumers have the right to choose their own goods or services, one of which is ().
A: Consumers have the right to decide at what price to buy goods or services provided by operators.
B: Consumers have the right to decide whether to accept or not to accept any service.
C: Consumers have the right to choose their own currency to buy goods or services provided by business operators.
Consumers have the right to ask business operators to provide personalized goods or services.
78. According to the Regulations on the Administration of Insurance Agencies, there are specific provisions on whether employees of insurance companies can concurrently serve as senior managers of insurance agencies ().
A: Employees of insurance companies may not concurrently serve as senior managers of insurance institutions.
B: As long as the insurance company agrees, the employees of the insurance company can also serve as senior managers of the insurance agency.
C: Employees of an insurance company may concurrently serve as senior managers of insurance agencies, but they may not concurrently serve as insurance agents.
D: As long as the insurance agency agrees, the employees of an insurance company may concurrently serve as senior managers of the insurance agency, but they shall inform their insurance companies.
79. According to the "Regulations on the Administration of Insurance Agencies", the management measures that insurance agencies should take for insurance premium income in the course of operation are ().
Answer: The insurance agency will record the premium collected in its business income account, which will be used for special purposes and shall not be misappropriated.
B: The insurance agency shall record the premium collected in the premium collection account and shall not misappropriate it.
C: The insurance agency will record the premium collected into the special account of the insurance supervision department, with two lines of revenue and expenditure.
D: Insurance companies collect insurance premiums and record them in their special accounts. Insurance institutions do not have independent accounts.
80. According to the Insurance Law and the authorization of the State Council, the institution that performs the supervisory duties for insurance agencies is ().
A: China Insurance Company B: insurance institute of china C: insurance institute of china D: China Insurance Regulatory Commission.
8 1. According to the provisions of China's Insurance Law, the reinsurer may not ask the original insurer to pay the insurance premium (B: incorrect).
82. According to China's Insurance Law, in a life insurance contract, if the beneficiary loses or waives the beneficial right according to law, and there are no other beneficiaries, the insurance premium will be handled independently by the insurer after the death of the insured (B: incorrect).
83. According to the provisions of China's Insurance Law, an insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract: Correct.
84. According to the provisions of China's insurance law, according to the insurance contract, the insurer can check the safety status of the subject matter insured, and promptly put forward written suggestions to the applicant and the insured to eliminate unsafe factors and hidden dangers (A: correct).
85. According to the provisions of China's insurance law, the insured amount refers to the maximum amount of the insurer's liability for compensation or payment of insurance money () A: Correct B: Incorrect.
86. According to China's Insurance Law, an insurance contract refers to the agreement reached between the applicant and the insurance agent on the relationship between insurance rights and obligations () A: Correct B: Incorrect.
87. According to the provisions of China's Insurance Law, after the insurer's request for compensation or payment of insurance benefits to the insured or beneficiary is verified, it shall fulfill its obligation of compensation or payment of insurance benefits within 30 days after reaching an agreement with the insured or beneficiary () A: Correct B: Incorrect.
88. According to the provisions of China's Insurance Law, appraisal institutions and experts who are legally employed to evaluate and appraise insurance accidents shall perform their business impartially according to law. Whoever intentionally causes damage to the insurer or the insured shall be liable for compensation according to law. However, if damage is caused to the insurer or the insured due to negligence, it may not be liable for compensation (B: incorrect).
89. According to China's Insurance Law, in a life insurance contract, if the insured's age declared by the applicant is untrue, resulting in the insured paying less than the insurance premium payable, the insurer has the right to correct and require the insured to pay the insurance premium, or pay the insurance premium according to the ratio of the actually paid insurance premium to the insurance premium payable (Answer: Correct).
90. According to China's Insurance Law, the purpose of taking over an insurance company by an insurance supervision and management institution is to take necessary measures to protect the interests of the insured and restore the normal operation of the insurance company. However, the creditor-debtor relationship of the taken-over insurance company will change due to the takeover (B: incorrect).
9 1. According to the provisions of China's Insurance Law, the use of funds by insurance companies is limited to bank deposits, buying and selling government securities, financial bonds and other forms of fund use stipulated by the State Council (Answer: Correct).
92. According to the provisions of China's Insurance Law, those who set up insurance companies without authorization or illegally engage in commercial insurance business activities shall be banned by the administrative department for industry and commerce (B: incorrect).
93. According to China's Insurance Law, the beneficiary of life insurance is designated by the insured or the insured. If the insured is a person without or with limited capacity for civil conduct, the insurer may designate a beneficiary for him (B: incorrect).
94. According to China's Insurance Law, the form of an insurance contract can be written or oral (B: incorrect).
95. According to the provisions of China's Insurance Law, insurance companies should strengthen the training and management of insurance agents, but it is not necessary to set up a roster of insurance agents of the company. () A: Correct B: Incorrect
96. According to the provisions of China's Insurance Law, the same insurer may not concurrently engage in property insurance business and life insurance business; However, insurance companies engaged in property insurance business may engage in short-term health insurance business and accidental injury insurance business with the approval of the administrative department for industry and commerce () A: Correct B: Incorrect.
97. According to the provisions of China's Insurance Law, in property insurance, if the insurer has paid all the insured amount and the insured amount is equal to the insured value after the insurance accident, all the rights of the damaged insurance subject matter belong to the insured (incorrect).
98. According to the provisions of China's Insurance Law, if an insurance company violates the provisions of the Insurance Law and damages the interests of the public, which may seriously endanger or has already endangered the solvency of the insurance company, the insurance supervision and administration institution may rectify the insurance company, but it shall not take over () A: Correct B: Incorrect.
99. According to the provisions of China's Insurance Law, when concluding an insurance contract, the insurer shall explain the terms of the insurance contract to the applicant and the insured, and may ask questions about the subject matter of insurance or the insured, but the applicant, the insured and the beneficiary shall not tell () A: Correct B: Incorrect.
100. According to the provisions of China's Insurance Law, an insurance company shall, within three months after the end of each accounting year, submit the business report, financial accounting report and relevant statements of the previous year to the insurance supervision and management institution, and publish them according to law ().
A: Correct B: Incorrect