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Insurance Agents Examination Paper A simulation

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					Insurance Agents Examination Paper A simulation
Insurance Agents Examination Paper A simulation
1, multiple choice questions: (single answer, 1 point for each question, total 80 points)
1. From the principle, said the material bearers of commercial insurance is ().
A, state government agencies B. Commercial Insurance Fund C. D. Mutual Insurance
Fund Loss reserve fund
2. Collection of homogeneous risks is set and spread insurance risk one of the
prerequisites. Homogeneous risk is the meaning of ().
A. Risk units in the type, quality, performance, and so generally similar, but quite
different values
B. Risk units in the type, quality, value and so on generally similar, but larger
differences in performance
C. Risk units in the performance, quality, value and so on generally similar, but quite
different types of
D. Risk unit type, performance, quality, value and so similar in general
3. Social insurance refers to the state through legislation, to take coercive measures to
be implemented in a kind of insurance. Social security insurance, including () and so
on.
A. B. Property Insurance C. Liability Insurance D. Credit Insurance Unemployment
insurance
4. In the market economy, the insurance function in practice the effect shown is called
().
A. Insurance benefits B. Nature of Insurance C. Insurance function D. The role of the
insurance sources
5. The proportion of full insurance is not the way of compensation
"proportional" means ().
A. Amount of insurance premium income and the proportion of B. Insurance amount
and the actual percentage of insured value
C. Insurance premium income the value of the ratio of D. Amount of individual
insurance, the proportion of the total premium income
6. Enter into insurance contracts and insurance, and insurance premiums paid by the
insurance contract has a duty of people is called ().
A. Insured B. Insured C. Beneficiary D. Proxy
7. Insurance, the insurance contract after the accident or incident occurred, the insurer
should bear liability insurance compensation or payment is called
As ().
A. Insurance compensation B. Insurance Benefits C. Insurance D. Insurance
8. In the insurance business, property insurance contract is subject to change main ().
A. Insurer and the insured change B. Policyholders and beneficiaries of change
C. Insured and the agent of change in D. Insured and the insured changes
9. According to China's "Insurance Law" that the
insured person to perform the obligations to follow the principles of ().
A. B. inform the principle of unlimited Part of this principle C. All this principle D.
Asked whether this principle
10. In the property insurance contract, the insured losses for the insurer to bear the
maximum amount of damages is ().
A. The carrying amount of the insurance object B. The market value of the subject
matter insured
C. The actual subject matter insured losses D. The object of insurance value
11. Lee to his wife purchased the 10-year endowment insurance. Three years later,
Lee and his wife divorced, the divorce of the insurance contract is ().
A. The insurance contract has lost insurance benefits B. Insurers do not undertake to
pay the insurance money
C. Li's wife could still receive the insurance money D. Lee should receive
insurance money
12. According to our "Insurance Law" stipulates that the
provisions of the insurance contract on the insurer liability exemption clause of the
entry into force conditions ().
A. The insurer to the insured when the accident told the clause
B. Insurer to the insured when the insurance contract made clear that the clause
C. Insurer in the insurance contract clearly stated that the provisions of
D. The article should be approved by the insurance regulatory
13. In principle the use of proximate cause, proximate cause of the insurer identified a
key factor is ().
A relationship between the insurer and the insured B. Insurer and insurance agent
relationship
C. Insurers and insurance to the risk of D. Risk factors and loss of the relationship
between
14. Subrogation rights of one of the conditions produced by the accident that led to
the responsibility of the insurance side is ().
A insured B, a third party C. Insurers D. Insured
15. In the "insurance benefits shall be determined by interest"
within the meaning of the objective or in fact already exists in the economic interests
of the called ().
A look forward to the interests of B. C. Existing interests Legitimate interests of the D.
Responsibility for the interests of
16. In the most basic elements of good faith, abstain and estoppel major constraint
object is ().
A. Insurance Brokers B. Insurance agent C. Insurers D. Insured and the insured
17. The following insurance, the insurance coverage required in business to develop
separate rates for each business is ().
A. B. Property Insurance Company Home Insurance C. Loss of profit insurance, D.
Marine Insurance
18. The principle of insurance claims, the "fair and reasonable"
is the meaning of the principle of insurance claims should be done in ().
A. Active, rapid, accurate, reasonable B. Heavy contract, keep promise C. Pragmatic
D. Accurate and timely
19. Constitute together with the registered capital of insurance company solvency of
insurance funds is ().
A. Fund B. Loan C. Opening the capital D. Expected profit
20. Clear separation of the company and sub-human rights and obligations between
the companies called the agreement ().
A. Reinsurance bill B. Reinsurance contract C. D. reinsurance proposal Reinsurance
to protect the book
21. A national, regional or national cultural traditions, such as customs, ethics, morals,
values, religion, law and art, known as ().
A. Economic environment B. Population Environment C. Political and legal
environment D. Social and cultural environment
22. One more in the bank's savings, or other financial assets, the more the
person on the performance of commercial pension insurance needs of ().
A. Higher B. Lower C. Steady growth in D. Jump up
23. Insurance agent within the mandate of the insurer, handling insurance business
arising out of acts of civil liability of those is ().
A. Insured B. Agent C, the insured D. Insurers
24. Insurance agency contract between the parties, the law recognizes the rights and
obligations is called ().
A. The object of the insurance agency contract B. The interests of the insurance
agency contract
C. The contents of the insurance agency contract D. Select the right insurance agent
contracts
25. According to China's "Civil Law" requirement,
the following legal persons, are Shetuanfaren is ().
A. College of Insurance B. Insurance brokerage firm C. CIRC D. Insurance
Association
26. In accordance with China's "Civil Law"
provision, no civil capacity, the implementation of civil behavior is ().
A. Legally binding acts B. Invalid behavior C. Part D. invalid behavior Conditional
entry into force of behavior
27. Jiamou dog bites a neighbor a 5-year-old child, according to China's
"Civil Law" requirement, which damages are civil liability ().
A. Jiamou B. C. Children of parents Jiamou and children's parents, 50% of
all fear
D. Borne mainly by the Jiamou, children of parents due partly to blame
28. A company divided into the B and C and a small two companies, so a
company's existing debt obligations be a case of ().
A. B and C are irresponsible B. B and C jointly and severally liable C. D. borne by the
big companies Borne by small companies
29. A vehicle engaged in transportation loan B for one year, in January after a death,
undetermined heirs. So to carry on when the debt, B can claim the right ().
A. Deposited B. Confused with C. Exempt D. Offset
30. According to China's "Contract Law" stipulates
that the insurance company's prospectus, generally regarded as ().
A. Offer Invitation B. Offer C. D. Counter-offer Commitment
31. According to China's "Consumer Protection Law,"
for the repair of large packages of goods, consumers require the operator of repair, on
payment of reasonable costs of transportation and other stakeholders is ().
A. Consumer B. Operator C. Transporters D. Consumers and business operators
32. According to China's "Consumer Protection Law"
stipulates that does not belong to the functions of the Consumer Association () and so
on.
A. Provide consumers with consumer information and advisory services
B. Participate in the administrative departments for goods and services, supervision,
inspection
C. Recommend certain products to consumers in order to obtain the benefits
D. Receiving consumer complaints, and complaint investigation, mediation
33. According to China's "Anti-Unfair Competition
Law," to operate in violation of provisions of this Law, to be against the
operators of damage, shall be liable for damages, but the losses were against the
operators are difficult to calculate, the amount of compensation shall be determined ().
A. Is against the normal profit over the past operator B. The infringer during the
period of infringement of the profits
C. Infringement against the operator by revenue during the period D. The infringer
during the period of infringement of the income obtained
34. According to China's "Anti-Unfair Competition
Law" provides that the competitive behavior of fire sales is unfair
competition is ().
A. Substantial price reductions for new people who sell fresh produce commodities B.
Seasonal lowering of prices to sell
C. Substantial price reduction processing the backlog of product inventory
D. New entrants were substantially lower prices, even selling below cost in order to
quickly get a lot of market share
35. China's "Anti-Unfair Competition Law" is
referred to unfair competition ().
A. Consumer violation of this law, the expense of other legitimate rights and interests
of consumers, disrupt the social and economic order of
B. Operating in violation of provisions of this Law, the expense of other legitimate
rights and interests of consumers, disrupt the social and economic order of
C. Consumer violation of this Law, damage the lawful rights and interests of other
operators, disrupt social and economic order of
D. Operating in violation of provisions of this Law, damage the lawful rights and
interests of other operators, disrupt social and economic order of
36. In the insurance contract, the insured subject matter of insurance insurance
benefits enjoyed by the amount of currency valuation is called ().
A. Insurance value of B. C. amount of insurance Expected value of D. Real interest
37. Our personal housing mortgage loan insurance, the maximum insurance period is
().
A. 1 year B. C. 5 years D. 20 years And the mortgage contract with the
38. China's motor vehicle insurance, basic insurance, including ().
A. Loss of vehicles and all risks insurance, car theft and robbery B. Vehicle insurance
and vehicle liability insurance losses
C. Vehicle damage insurance and third party liability insurance D. Loss of no-fault
liability insurance, vehicle insurance and
39. Navigation in the coastal, inland river ship in a boat all the risks insured, the ship
has been in use for 2 years, occurred during the period of insurance within the
insurance part of the loss is 300 thousand yuan. If the Underwriters the amount of 10
000 million, while the dangerous condition of the market price when the new vessels
of 15 0 million yuan. Excluding the residual value, then the provisions of 1 million
deductible, the insurer of the compensation is ().
A. 300,000 yuan B. 290,000 yuan C. 200,000 yuan D. 190,000 yuan
40. Responsible manner in accordance with the insurer. China's domestic
transportation insurance is divided into ().
A. Total loss and all risks B. Basic insurance, comprehensive insurance and additional
insurance
C. FPA, WPA and all risks D. Basic insurance, general insurance and special
additional risks attached
41. In liability insurance, accident insurance in force to determine the method is
known as liability insurance ().
A. Underwriting basis B. Underwriting technology C. D. underwriting approach
Prescription claims
42. And other risks, as one of the characteristics of life risk is ().
A. Subjectivity B. Objectivity C. Certainty D. Unpredictable nature
43. People of all ages based on the past period of time of death statistics compiled
tables are ().
A. Life Table B. Questionnaire C. Sample Table D. Calculation Table
44. Accident insurance of a person insured, the insurance amount of 200 thousand
yuan. Accidentally occurred within the period of insurance sprain, in January after all
the more, the accident occurred medical expenses 268 yuan. Later, the insured person
to the insurance claim. Then, the insurer claims this is the correct approach ().
A. Pei Fu medical expenses 268 yuan B. Benefit Insurance payments 200,000 yuan C.
D.'s disability Peifu Any money not Peifu
45. In health insurance, the insured is in disability, disease can not continue to work
after the income compensation insurance is called ().
A. Compensation insurance, disability income, B. Medical expenses insurance,
C. Physical disability income insurance, D. Unemployment, income loss insurance
46. In life insurance, there is a class of insurance is a part of each insurance company
profits are allocated to dividends to the policyholders. The type of life insurance is
known as ().
A. Investment Insurance B. Participating insurance C. Universal Insurance D. Deposit
Insurance
47. In the personal accident insurance, accidental cause of the accident must be
unexpected, accidental, and ().
Predictable B. A. Measurable C. D. multiple change Unpredictable
48. In terms of health insurance cost sharing, there is a certain amount for a lower pay
medical expenses not required to make provisions. This provision is known as ().
A. B. Deductibles Terms of cost control C. D. Small Excluding Terms Terms of
reasonable protest
49. Benefits in terms of the proportion of health insurance, if the proportion of
payment by a progressive way, the insurer bear the medical expenses of the ratio and
the proportion of the insured person is responsible for the relationship between the ().
A. Medical cost increases, reduce the proportion borne by the insurer, the insured
person is responsible for increasing the proportion of
B. Medical cost increases, reduce the proportion borne by the insurer, the insured
person is responsible for reducing the proportion of
C. Medical cost increases, the proportion borne by the insurer increased the
proportion of the insured person is responsible for reduced
D. Medical cost increases, insurers bear a larger proportion of the insured person is
responsible for increasing the proportion of
50. Insured and the insurer on a voluntary basis, made through equal consultations,
accident insurance contract known as ().
A. Independent Accident Insurance B. Equality and Accident Insurance
C. D. Voluntary Accident Insurance Democracy and Accident Insurance
51. Typically, a certain amount of money income in a given period is called ().
A. Discount B. Discount C. Interest D. Interest rate
52. In the personal insurance business, insurers generally pay for ability to judge the
main basis for the insured, including () and so on.
A. Insured employment and economic income, B. Insured's professional
and financial income
C. Beneficiaries of the occupational and economic income D. Insurance policyholders
insured by the size of investment
53. As the life insurance contract the insured to pay the insurance premiums of time
and money to pay the insurance for a long time interval, therefore, life insurers on
premiums paid by policyholders should bear a special responsibility to ().
A guaranteed payment B. Increasing the value of C. Due return of D. Not be diverted
54. In the group life insurance, the insurance contract and protection of the insured
person is ().
A. Groups serving officers of the B. Groups of retirees
C. Groups of retirees D. Groups of Bingtui staff
55. In the personal accident insurance business, for drug-insured by the
"accidental injury", is usually classified as ().
A. B. non-accidental injury insurance Contributing insurable accident
C. Conditions insurable accident D. Accident insurance generally
56. Constitute a health insurance within the meaning of the disease must be one of the
conditions are: must be due to reasons caused by non-forever. Diseases listed below,
meet the conditions of this form is ().
A. Skin aging B. Senescence C. Food poisoning D. Weakened
57. Wang insured accident insurance of a body, the insurance amount of 50 million,
the insurance period of January 2, 2001 to January 1, 2002, and the responsibility of
the contract period of 180 days. Wang on November 1, 2001 of accidental injury, in
March 1, 2003 the end of treatment due to the death of Wang. Previously, Wang had
suffered injury to the first 180 days after the disability were identified, then the degree
of disability of 40%. The insurer claims the views of this accident is ().
A. Take insurance, insurance money 500,000 yuan B. Take insurance, insurance
money 300,000 yuan
C. Take insurance, insurance money 200,000 yuan D. Does not assume the insurance
responsibility, because Wang had died
58. Group long-term life insurance is another major insurance group insurance, the
insured object are often a number of small businesses. Group term life
insurance's primary role is ().
A. Provide protection for employees unemployed B. Provide protection for the
employee retirement
C. Failure to provide social security for employers D. Provide protection for an
employer retirement
59. In the personal accident insurance business, for the insured in motion by the
"accidental injury", is usually classified as ().
A. Generally Paul B. Accident Non-accidental injury insurance
C. Conditions insurable accident D. Contributing insurable accident
60. Compensation insurance, disability income, the deferred period is generally the
length ().
A. 3 months B. 12 months C. D. 18 months 24 months
61. Personal insurance is divided into compulsory insurance and voluntary insurance.
This division of the classification criteria ().
A. Implementation of the method B. Insurance Approach C. Insurance payment
method D. Ownership of the policy interest
62. In life insurance contracts, are classified as a suicide if the insurance, the insurer
to undertake insurance liabilities, the interests of the damage are ().
A. Insured B. Insured C. Beneficiary D. Insurers
63. Personal accident insurance can be divided into purely accidental injury insurance
and accident insurance additional two. This classification is the classification criteria
().
A. Period of Insurance B. Insurance amount C. Insurance risk D. Insurance structure
64. In the life insurance practice, the type of health insurance include ().
A. Medical insurance, disability income insurance and critical illness insurance
compensation
B. Check insurance, disability income insurance and critical illness insurance
compensation
C. Out insurance, disability income insurance and critical illness insurance
compensation
D. Injury insurance, disability income insurance and critical illness insurance
compensation
65. Small groups as the insured, members of small groups, personal approach to
underwriting, insurance policies received by the insured group health insurance,
known as ().
A. B. General Group Health Insurance Group Health Insurance C. D. Health
Insurance Association Comprehensive health insurance
66. In accident insurance, if the insured person suffering accidental injury within the
insurance period, the responsibility of the end of treatment period and was recognized
as a disability, the insurer determine the extent of the insured disability point is ().
A. The insurance end of the period B. Accident occurs C. The end of treatment the
insured D. Responsibilities end of the period
67. In the life insurance practice, the method for determining the sum insured is ().
A. B. Insurance and the beneficiaries in consultation Insured and the insured person
consultation
C. Insurer and the insured negotiated D. Insurance agents and consultation
68. The role of life insurance is that it can serve as an investment vehicle. The
following life insurance, you can as an investment tool is ().
A. Medical Expense Insurance B. Accident Insurance C. Equity-linked insurance, D.
Critical Illness
69. Wang, personal accident injury insurance policy holders a copy of the insurance
amount of 50 million, the insurance period is January 2, 2001 to January 1, 2002, and
the responsibility of the contract period of 180 days. Wang on March 1, 2001 of
accidental injury, in June 1, 2001 the end of treatment, and was identified as moderate
disability, 45% degree of disability. The insurer claims the views of this accident is ().
A. Take insurance, insurance money 500,000 yuan B. Take insurance, insurance
money 275,000 yuan
C. Take insurance, insurance money 225,000 yuan D. Does not assume the insurance
responsibility, because responsibility under the period of
70. Provides group health insurance when the insured person from the group, the
insurer allows them to buy individual medical expense insurance without having to
provide proof of insurance terms is called ().
A premium adjustment clause B. C. Terms of the observation period Terms of buffer
D. Conversion terms
71. Cause classification according to the coverage, personal accident insurance types
include () and so on.
A. Voluntary accident insurance and compulsory accident insurance
B. Pure accident insurance and additional accident insurance
C. Business accidental injury insurance and accident insurance society
D. General accident insurance and accident insurance-specific
72. The main risk is that life insurance death. Life insurance companies operating in
our practice, are considered the main factors affecting mortality rate () and so on.
A. Address, gender and occupation B. Position, gender and occupation
C. Height, gender and occupational D. Age, gender and occupation
73. Part-insurance agents do not need a ().
A. legal status or the legal representative authorized to B. "Certificate of
Insurance Agents Career Development"
C. "the insurance agency business license (and industry)" D.
"Insurance Agent Qualification Certificate"
74. Policyholder on the () should be legally recognized interests.
A. B. insurance liability insurance, accident insurance risk D. C. Insurance Object
75. Home insurance, property insurance, subject mainly () and so on.
A. Housing, jewelry and household subsistence B. antiques, calligraphy and painting,
and family issues
C. Housing, portfolio and family subsistence D. self-employed workers operating
equipment, raw materials and household consumer goods
76. Fraud and arson are () risk factors.
A. C. moral social psychological D. B. substances
77. Joint annuity payments, the number of insured persons (), it is the insured dies, the
insurance contract shall cease.
A. all B. D. first second third C.
78. () Is generated in the first life insurance a insurance.
A. Health insurance, accident insurance B. D. C. Mutual Insurance Life Insurance
79. Business property insurance business premiums retained year shall not exceed the
actual capital reserve fund the sum of () times.
A. 2 B.3 C.4 D.5
80. Insurance Personal agents shall not ().
A. agent B. Agent to sell insurance products issued by insurance premiums charged
by C. D. handling individual life insurance
Second, determine questions (20 questions, Mei Xiaoti 1 min, 20 min.)
81. According to China's "Insurance Law" stipulates
that insurance companies are not in accordance with the "Insurance
Law" to draw or carry down various reserves, the insurance supervision
and administration according to law shall be ordered to draw or carry the insurance
company of the reserve. ()
82. According to China "insurance law" provides property
insurance contract, the insured does not comply with the insurance obligation to
notify the subject of increased risk, and increased risk for the insurance subject of
insurance and accident, the insurer is only part of the liability. ()
83. According to China's "Insurance Law" stipulates
that insurance companies can be engaged in non insurance. ()
84. According to China's "Insurance Law," the
insurance company deposited the insurance protection fund management and use of
specific methods developed by the Ministry of Finance. ()
85. According to China's "Insurance Law" stipulates
that the insured or the beneficiary intentionally caused the insured death, disability or
sickness of the life insurance accident insurance claim for insurance fraud activities,
constitutes a crime shall be prosecuted for contractual liability . ()
86. According to China's "Insurance Law" stipulates
that insurance companies are not in accordance with the "Insurance
Law" to draw or carry down various reserves, the insurance supervision
and administration department shall order the insurance company closed down and
adjust the charge and the management staff. ()
87. According to China's "Insurance Law," in the
property insurance contract, the insurer, the insured is to identify and determine the
nature of the insured, the loss of the underlying causes and extent of the insurance
paid the necessary and reasonable expenses, by the insurer and the insurers bear the
burden. ()
88. According to China's "Insurance Law", to apply
for an insurance company shall submit the documents and materials - is the feasibility
study report. ()
89. According to China's "Insurance Law," has not
approved the setting up subsidiaries or representative offices act, the insurance
regulatory authority shall order rectification and impose more than 300,000 yuan to
50,000 yuan shall be imposed; circumstances are serious, may limit operations range.
Ordered to stop accepting new business or insurance license revoked. ()
90. According to China's "Insurance Law" provides
that in life insurance contracts, insurance premiums for life insurance, the insured
shall not be required to pay to use litigation. ()
91. According to China's "Insurance Law"
requirement in violation of "Insurance Law" provides not
constitute a crime have direct responsibility of the insurance company senior
management and other personnel directly responsible, the insurance supervisory
authorities can distinguish between different situations to be a warning, ordered to be
replaced, sentenced to more than 10,000 yuan 20,000 yuan shall be imposed. ()
92. According to China's "Insurance Law" was set up
by insurance companies, the minimum amount of registered capital of 100 million
yuan. ()
93. According to China's "Insurance Law" provides
property insurance contract, the object of insurance value, can be insured and the
insurer agreed and specified in the contract may also be in accordance with the time
of the accident insurance, the insurance replacement value to determine the subject
matter. ()
94. According to China's "Insurance Law" stipulates
that the insured intentionally conceal facts, not to perform the obligations of, or due to
negligence fails to perform the duties, which affect the insurer decide whether to
agree to cover or increase the premium, the insurer is entitled to terminate the
insurance contract. ()
95. According to China's "Insurance Law" was set up
by insurance companies, must be approved by the insurance regulatory authority. ()
96. According to China's "Insurance Law," in the life
insurance contract, the beneficiary shall give up the loss of beneficial interest or
beneficial interest, no other beneficiaries, after the death of the insured, the insurance
payment will be processed independently insured. ()
97. According to China's "Insurance Law" stipulates
that the insured person has failed to perform its due responsibility for safety of the
objects insured, the insurer the right to pursue their legal obligations. ()
98. According to China's "Insurance Law" stipulates
that development in China, "Insurance Law" aims: to regulate
insurance activities, protect the legitimate rights and interests of insurers and
strengthen supervision and management of the insurance industry, Cujin insurance
industry's healthy development. ()
99. According to China's "Insurance Law," in the life
insurance contract, after the death of the insured, the contract is no designated
beneficiary, the insurance as the insured's estate, which shall be used to
discharge the insured's lifetime of debt . ()
100. According to China's "Insurance Law," in the
life insurance contract, after the death of the insured, the contract is no designated
beneficiary, the insurance will be the legacy of the insured by the insurer to the
insured's heirs to fulfill the insurance payment payment obligations. ()

				
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